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Your retirement plan is only as strong as your budget, and that’s why a Retirement Budget Calculator is essential. If you retire without a clear, data-driven way to estimate your monthly spending need...
If you’re looking for a financial advisor in Texarkana, Texas, Carroll Advisory Group is here to help. Our CFP® team specializes in retirement planning, investment management, and tax strategies desig...
Below you’ll find answers to the most common questions about Health Savings Accounts (HSAs). Click a section to jump directly to what you’re looking for.
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- HSA Basics
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“Devin, you’ve had a heart attack.”
Those are not easy words to hear. Thankfully, I didn’t actually have a heart attack, but a doctor once told me I did after looking at the printout from an EKG. Hea...
When the One Big Beautiful Bill Act became law, most of the headlines focused on what didn’t happen. The 2017 tax cuts, often called the Trump tax cuts, didn’t expire. The tax brackets didn’t go up in...
For most couples, each person has their own strengths. After 28 years of marriage, my wife and I have figured out our groove. We divide the responsibilities based on what we’re each naturally good at,...
As people get closer to retirement, one of the biggest questions they begin to ask is, “How should my money be invested?” In financial planning terms, this is known as asset allocation. At its core,
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Carroll Advisory Group is proud to call Texarkana, Texas, our home. We’re tucked into a modest but welcoming office just off Richmond Road. Most folks drive by and assume it’s just the entrance to Son...
Choosing to convert to Roth could be one of the most impactful moves you make in your retirement income strategy. But like any powerful tool, a Roth conversion can become costly, or even counterproduc...
When one spouse passes away, the surviving spouse often faces a painful financial surprise. Income may drop, but taxes and Medicare premiums can increase.
This is known as the widow’s tax penalty, a...
The QCD is a big deal. If you’re over 70½ or planning for the day you will be, don’t wait another day to understand how this strategy can work for you.
A Qualified Charitable Distribution (QCD) allow...
What if the very thing you trust most to protect your retirement is secretly setting you up for a crushing tax bill?
We’ve all been taught to use conservative assumptions when planning for retirement...
Retirement planning, uncomplicated.