Personal Financial Strategy for NRIs in the USA!
As a financial professional, one of the most common misconceptions I hear is that estate planning is only for people with significant wealth. The truth is that estate planning is for everyone. Whether you own a home, have a savings account, or simply want to make sure your loved ones are cared for, an estate […]
🏡 Why Real Estate Investors Should Use LLCs to Own Property Real estate investors often turn to Limited Liability Companies (LLCs) as a smart, strategic way to hold rental properties. Yes, setting up and managing an LLC takes some time, money, and paperwork, but the legal protections and financial benefits they offer can make that […]
First: Quick Definitions IUL with LTC rider = Indexed Universal Life insurance policy that includes an optional Long-Term Care (LTC) rider. It provides life insurance + tax-advantaged growth + access to money if you need LTC. Now: Benefit-by-Benefit Comparison Feature IUL with LTC Rider Defined Benefit Plan Primary Purpose Life insurance + tax-advantaged accumulation + […]
Overview Roth IRAs are a cornerstone of tax-free retirement planning. But what happens when your income surpasses the IRS limits? Enter the backdoor Roth IRA conversion—a strategic workaround that allows high earners to enjoy Roth benefits. Benefits of Roth IRAs 2025 Income Limits What is a Backdoor Roth IRA? A legal IRS strategy where: Important […]
Last week, I had the privilege of experiencing something truly once-in-a-lifetime: witnessing an erupting volcano on the Big Island of Hawaii. The sight of the flowing lava and the mesmerizing glow against the dark sky was both breathtaking and humbling. As I stood there, surrounded by the power of nature, it made me reflect on […]
Taking the plunge with Air India from SFO to Chennai was my $200 discount-fueled decision of the year. Having been spoiled by the likes of Emirates and Singapore Airlines, I braced myself for, well, mediocrity. But guess what? The onward flight? A surprisingly solid experience! The plane was comfy, the crew was friendly, and—wait for […]
1. Federal Estate Tax Considerations for Foreigners 2. Income Tax Considerations 3. State Tax Considerations 4. Tax Treaty Benefits (U.S.-India Tax Treaty) Examples Tax Planning Suggestions If you’d like a tailored strategy or deeper insights into any area, let me know!
Roller Coaster Ride for Typical Investors The diagram illustrates the journey of a hypothetical investor navigating the ups and downs of the stock market, showcasing several psychological biases. As the market rises, reaching record highs, our investor, influenced by bullish media coverage highlighting success stories and omitting failures (confirmation bias), decides to participate to avoid […]
What You’ll Learn The origins of their names Fannie Mae, Ginnie Mae, and Freddie Mac These names might sound like endearing nicknames for someone’s relatives, but they play a crucial role in the housing market. Fannie Mae, Ginnie Mae, and Freddie Mac are government-sponsored entities that support the mortgage industry. These organizations, known as “secondary […]
I understand your concerns about purchasing annuities, and I want to address these by highlighting how modern annuities offer numerous benefits, providing a secure and peaceful retirement. Simplified and Low-Cost Modern Annuities In the past, annuities were often associated with high fees and complex calculations. Today, the landscape has changed significantly. Modern annuities are designed […]
