BWK Spring Newsletter

Here’s a brief glance at what you’ll find in the Spring issue…

Tax-smart charitable giving: 5 strategies to consider in 2019

Typically, tax breaks are not, by themselves, the top motivating factor for charitable giving. But taxes are an important consideration, partly because they may affect how much an individual chooses to give. This article offers five tax strategies for enhancing the tax benefits of charitable gifts.

Should you choose a traditional or a Roth IRA?

It’s important to understand the differences between a traditional IRA and a Roth IRA before investing in one of them. This article discusses the pros and cons of each investment vehicle to help retirement savers make the choice that is best for them. The taxation of withdrawals, tax deductions and early withdrawal penalties are among the factors discussed.

QOFs may defer and even minimize capital gains tax

When individuals sell a business interest, real estate or other highly appreciated property, they’ll likely be hit with a substantial capital gains tax bill. One way to soften the blow — if they’re willing to tie up the funds long term — is to “roll over” the gain into a qualified opportunity fund (QOF). This article describes the benefits of a new federal QOF program, including deferring, and even reducing, the tax on the original gain and possibly avoiding tax on future appreciation within the QOF.

Borrowing alternatives for businesses

Your need for capital will color your financing choice

Bank loans come in a variety of shapes and sizes, but most fall into one of several broad categories. This article sums up lines of credit, term loans, commercial mortgages and government loan programs. It also suggests other places to look for funds beyond the bank, such as peer-to-peer lending.


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