by Daniel Cieniewicz, CFP® | Aug 13, 2026 | Blog, Retirement Planning, Tax Planning
Imagine losing money at the casino and still owing tax on it. That seems unfair, but starting in 2026, it’s the reality for a lot of gamblers, including many retirees who enjoy the occasional casino trip or bingo night. Let’s walk through how gambling... 
by Daniel Cieniewicz, CFP® | Jul 16, 2026 | Blog, Retirement Planning, Tax Planning
If you’re retired or approaching retirement, you might assume that taxes are about to get simpler. No more W-2. No more paycheck withholdings to worry about. Just a nice, easy retirement without the tax headaches of your working years. I hate to break it to you,... 
by Daniel Cieniewicz, CFP® | Jul 9, 2026 | Blog, Investing, Retirement Planning, Tax Planning
One of the things you don’t want to see as a financial planner is people in their 70s and 80s looking back and saying they wish they had done things in their 60s, but now they can’t. Whether that’s because of energy, health, or time, it’s the... 
by Daniel Cieniewicz, CFP® | Jul 2, 2026 | Blog, Tax Planning
For most US taxpayers, we’ve resigned ourselves to the fact taxes are inevitable. But one thing that no one wants to deal with are penalties. Especially one that is avoidable. Avoiding penalties in retirement is all the more important for retirees since the tax... 
by Daniel Cieniewicz, CFP® | Jun 11, 2026 | Blog, Retirement Planning, Social Security, Tax Planning
If you’re a retiree thinking about selling some appreciated stock, real estate, or other long-held investments, you’ve probably heard the conventional wisdom: long-term capital gains are taxed at favorable rates. These rates are either 0%, 15%, or 20%... 
by Daniel Cieniewicz, CFP® | May 22, 2026 | Blog, Tax Planning
If you’re a high-income earner with investment income, there’s a 3.8% tax you may already be aware of and need to understand: the Net Investment Income Tax (NIIT). For households with significant investment income, the NIIT can add thousands of dollars to...
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