Free Financial Planning Resources and Decision Guides
We believe informed decisions lead to better financial outcomes. Over the years, we’ve developed practical planning tools, checklists, and flowcharts to help clients and families navigate complex financial decisions with clarity and confidence. We are pleased to make many of these resources available here at no cost—no email required.
If you find these materials helpful, sharing your experience through a Google review is always appreciated. Your feedback helps others discover trusted, practical tools and supports our continued effort to provide meaningful financial education.
Retirement Planning
Can I Contribute to a Roth IRA? (2026 Eligibility Flowchart)
This decision flowchart helps determine whether you are eligible to contribute to a Roth IRA based on income, filing status, and earned income requirements. It walks through the key thresholds that govern full, partial, or ineligible contributions, including the 2026 contribution limits of up to $7,500 (or $8,600 if age 50 or older) and the income phaseout ranges that apply to single and married taxpayers. This guide is especially useful for year-end tax planning and retirement savings decisions.
Can I Contribute to a Roth IRA? (2026 Eligibility Flowchart) (220 downloads )Can I Make a Backdoor Roth IRA Contribution? (2026 Decision Guide)
This flowchart helps determine whether a Backdoor Roth IRA contribution is appropriate based on income, existing IRA balances, and employer retirement plan options. It outlines the key considerations that often impact the tax outcome of a conversion, including the aggregation and pro rata rules that apply when pre-tax IRA assets are present. The guide also walks through the basic steps involved in completing a Backdoor Roth contribution—from making a non-deductible IRA contribution to converting the funds into a Roth IRA—helping individuals avoid common planning mistakes.
Can I Make a Backdoor Roth IRA Contribution? (2026 Decision Guide) (245 downloads )Tax Planning
2026 Important Financial Planning Numbers
This quick-reference guide summarizes many of the key tax thresholds, retirement plan limits, and planning figures that frequently change each year. It is designed to help individuals and families stay informed about important numbers that can influence contribution decisions, tax planning strategies, and retirement planning opportunities. The guide includes updated limits for retirement accounts, income tax brackets, Social Security thresholds, Medicare premiums, and other commonly referenced planning figures for 2026.
Important Numbers 2026 (212 downloads )Important Financial Planning Milestones by Age (2026 Guide)
This guide outlines key financial planning milestones that occur at different ages throughout life, helping individuals anticipate important eligibility rules and planning opportunities before they arise. It highlights critical ages related to retirement contributions, Social Security benefits, Medicare enrollment, Required Minimum Distributions (RMDs), and other planning triggers that often drive financial and tax decisions. Having visibility into these milestones can help families avoid missed deadlines and make more informed long-term planning decisions.
Financial Planning Milestones by Age (2026 Guide) (266 downloads )Tax Withholding Estimator
Use this tool to estimate the correct amount of tax your employer (W-2) or pension provider should withhold each year.
You can download a completed Form W-4 or Form W-4P and give it to your employer or pension provider. Depending on the results, this could help you avoid having too little tax withheld, making it less likely you’ll owe a penalty when you file your tax return. Or, it may help you avoid having too much tax withheld, giving you a bigger paycheck now but a smaller refund later.
Investment Planning
–
Equity Compensation & Concentrated Stock
–
Estate & Legacy Planning
–
Life Events & Major Financial Decisions
–
Small Business & Self-Employed Planning
–