Kaivani Wealth Strategies LLC

IRS issues new guidance for inherited IRAs, digital advertising taxes, wealth taxes, industry updates and more. Planning ahead can help with the unexpected.

Tax Breaks: Planning Can Help You Deal With The Unexpected Our latest edition of Tax Breaks. Plus: IRS issues new guidance for inherited IRAs, saying no to bad tax advice, digital advertising taxes, wealth taxes and more.

Living in a home with one of these street names could significantly increase the value of your property.

These Street Names Could Boost Your Home Value by Thousands

Today’s kids are growing up in a difficult financial landscape. Money guru Ramit Sethi shares some tips for Gen Z.

2 Money Lessons From Ramit Sethi That Gen Z Must Learn To Build Wealth Today's kids are growing up in a difficult financial landscape. Luckily, money guru Ramit Sethi, author of the worldwide bestseller "I Will Teach You to Be Rich," has some tips for Gen Z. When he was...

In the event of a disability, two-income households are 10% more likely than married couples with a single income to file bankruptcy due to higher fixed expenses*. Learn how you can protect your family’s standard of living by adding individual disability insurance to your plan. *The Two-Income Trap: Are Two Earner Households More Financially Vulnerable?, Center for Economic Studies, June2019

Individual Disability Insurance | New York Life Read how an individual disability insurance policy from New York Life can offer personal income protection in the event of a disability.

Concerned about falling short on your goals in retirement? Learn about strategies you can employ now to help avoid a "retirement gap."

Check out Money magazine’s "How to Create a Life Insurance Retirement Plan" by Jeremi Davidson, explaining how a strategy of using the cash value of a permanent life insurance policy to supplement retirement income can enhance your retirement strategy, offering both the protection of life insurance along with the potential growth of retirement assets. https://nyl.co/3RNXu0o

Social media can be a great resource for tips and advice. But when it comes to your financial security, it never hurts to follow up with a trusted professional. Whatever your goals for the future may be, I can provide customized guidance to help you in your journey. Reach out, and let's talk.

As a parent, one of the greatest gifts you can give yourself—and your family—is the assurance of a secure retirement. That's why it's important to plan ahead to ensure financial stability during your non-working years. This Parents' Day, give your future self a pat on the back by reaching out and letting me help you build the retirement you deserve.

Learn more about private mortgage insurance (PMI) and how it might impact buying a home.

What is Private Mortgage Insurance and How Does It Impact Buying a Home? Rising home prices and higher mortgage rates have made it more difficult to afford a down payment large enough to avoid PMI.

Can AI answer the needs of smaller businesses? Artificial intelligence tools are finding widest use at big companies, but there is expectation that the impact will spread.

Can A.I. Answer the Needs of Smaller Businesses? Some Push to Find Out. Artificial intelligence tools like ChatGPT are finding widest use at big companies, but there is wide expectation that the impact will spread.

Raising a child in the U.S. has become far more expensive than it was just a few years ago, but the problem is exponentially worse in these five states.

Raising a child is getting more expensive - but the problem is worse in these 5 states

Social Security benefits: Start early or delay receipt?
When it comes to retirement, sooner is not always better. Read this article to learn how waiting until full retirement age (or later) can substantially increase your Social Security benefits.
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Learn how whole life insurance can help build lifelong security for those you love, while also building cash value that can be passed on, generation after generation. Reach out, and let's start securing your family's financial future today.

What is Whole Life Insurance? | New York Life Wondering what is whole life insurance and why do you need it? New York Life tells you everything you need to know.

Homeowners cannot avoid property taxes, but there are strategies to potentially decrease your bill.

How to Reduce Your Property Tax

Social Security benefits are a vital part of your retirement income. Know your options.
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Monthly survey shows American consumers feel more gloomy about the economy.

These 2 charts show just how little faith Americans have in the economy The University of Michigan's monthly survey of how Americans feel about the economy took a nosedive in May as consumers feel more gloomy.

Creating a budget is the first step toward financial success. With these five easy steps, you can take control of your personal finances, work to achieve your goals, and gain the confidence to build a better future.
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It may feel like the IRS taxes most of your hard-earned money, but some types of income are nontaxable.

Types of Income the IRS Doesn't Tax

Helping your child go to college is a gift they will use for the rest of their life. Without a strategy, however, student debt can end up hanging around just as long. Between tuition, books, and room and board, here are some strategies you can use to help make paying for college easier.

How to Pay for College | New York Life Trying to figure out how to pay for college? These long- and short-term strategies from New York Life will help you secure funds for a college education.

Here are five simple ways to 'do this, not that' when trying to find out from a nonprofit what kind of impact your donations are having.

How to Assess the Impact of Your Charitable Giving

In the current economic landscape, marked by uncertainties and a soaring cost of living, financial stability is becoming more elusive.

Why Diversifying Your Income Streams Is Essential In Today's Economy

For the strategists at New York Life Investments, the U.S.-China tech relationship is near the top of their geopolitical analysis. From TikTok to chip production, the past few weeks have seen several developments in this relationship, carrying both risks and opportunities. Tune in to the latest episode of the Market Matters podcast.
https://bit.ly/3UhFyNl

Planning for art collections: Rules and tax considerations Understanding the unique restrictions and tax implications that relate to art as an asset is crucial to help guarantee consistency with your charitable and legacy planning goals. This article outlines the legislative and tax issues to be aware of when incorporating an art collection into your overall estate plan. New York Life Insurance Company, its agents and affiliates do not provide tax, legal or accounting advice.
https://bit.ly/3TT5BZM

The basics of “tax-wise” estate planning for married couples
How can married, high net worth couples incorporate “tax-wise” strategies into their estate planning documents? Read this article from The Nautilus Group to learn about three basic strategies that can help to eliminate or minimize estate and transfer taxes, and then let’s talk about which strategy might be optimal for your specific circumstances. The Nautilus Group®️ is a service of New York Life Insurance Company.
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As markets shift and goals change, ask yourself these 5 questions to help keep your financial plan focused on what matters most to you.
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Don't press your luck when it comes to retirement. Learn how adding a fixed annuity to your savings strategy can provide a guaranteed, sustainable way to maintain income in retirement—as well as offer the security and peace of mind needed to face the future with confidence. If you have questions, reach out. I'm here to help.

Annuities address fear about risk | New York Life With the concept of "minding the risk gap", start feeling confident and in control of the retirement planning process.