The Family Cost of Care Includes Time and Lost Income
David RileyMap paid care, family hours and forgone wages together. A practical example includes funding gaps, backup care, legal authority and a review schedule.
About David Riley
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Living Longer Changes More Than Your Savings Target
David RileyTest a longer retirement, survivor income, housing and care needs. Use clear spending scenarios and realistic flexibility rather than a predicted lifespan.
Dependent-Care Benefits for 2026: Check the Plan Before Raising Elections
David RileyReview the new 2026 exclusion, the employer’s offered limit, household conditions, credit coordination, nondiscrimination testing and payroll setup.
Year-End Capital Gains: Plan Before You Sell
David RileyReview tax lots, holding periods, gain and loss netting, wash sales and income interactions before a year-end sale. Include estimated-payment timing.
Multiple Companies Can Share One Retirement-Plan Testing Problem
David RileyReview ownership, family attribution and service relationships before designing a plan. See how an incomplete employee census can understate employer costs.
Review Your Medicare Drug Plan for 2026
David RileyCompare 2026 prescriptions, pharmacies and annual costs during fall enrollment. Understand the $2,100 Part D threshold and limits of premium-only comparisons.
Your Estate Plan Needs an Account-by-Account Check
David RileyReview each account alongside your estate documents. Align beneficiary choices, ownership and legal authority with the outcome you intend.
Retention Bonus, Profit Sharing or Deferred Compensation?
David RileyCompare current cash, qualified profit sharing and deferred compensation by employer cost, employee access, vesting, tax timing and oversight.
The New Senior Deduction Is Not a Social Security Tax Repeal
David RileyLearn how the 2025 senior deduction phases out, why each eligible spouse matters and why the provision does not repeal tax on Social Security benefits.
When Several Funds Own the Same Investments
David RileyLook through fund names to measure company and industry exposure. Use a worked example to review concentration, account roles and the cost of adjustments.
