Aaron Leatherwood, CPA, CFP®, CWS®, MS

Aaron Leatherwood is a Client Wealth Strategist for Destiny Capital. Aaron builds relationships with his clients by learning about them as well as their families, priorities, concerns, and the impact they want to have on the world. He then partners with his clients to help them achieve their desired outcomes.

Recent Posts

Looking Beyond the SECURE Act

While the SECURE Act has garnered most of the attention recently, including from us in some of our most recent blogs, it was not the only act that passed last year with tax ramifications. The SECURE Act was actually part of a broader act called the Further Consolidated Appropriations Act, 2020. This Act prevented a government shutdown, laid out how the government will appropriate funds across various departments and provided some tax updates outside of the SECURE act. In this blog, we will talk about some of those updates.  
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How the SECURE Act Impacts Small Businesses

Employees of small businesses tend to save less for retirement. This is in part due to a lack of access to retirement plans as small businesses are less likely than larger corporations to offer employer plans. In an effort to increase opportunities for employers to provide retirement savings opportunities to their employees, there have been several changes to employer-provided retirement plans.  
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How the SECURE Act Impacts Individuals

Just before the holiday recess, the House and Senate passed the Further Consolidated Appropriations Act which the President signed into law on December 20, 2019. The new Act prevented a government shutdown and laid out the appropriation of funds across government departments and programs. As is fairly typical with a year-end appropriation bill, there were several tax provisions that were added, the SECURE Act being among them. In case you were wondering, "SECURE" stands for "Setting Every Community Up for Retirement Enhancement." The SECURE act impacts individuals and businesses. In this article, we will focus on some of the key tax changes that impact individuals. In a later article, we will focus on how businesses are impacted.  
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Social Security Considerations: Putting It All Together

Social Security is an extensive topic to cover. To digest it easier, we've broken it down into four parts: Break-Even Analysis, Portfolio Withdrawals, Spousal and Survivor Benefits, and Limitations. So, how do we put all of this together?  
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Social Security Considerations: Limitations

So far in our Social Security series, we've covered Break-Even Analysis, Portfolio Withdrawals, and Spousal and Survivor Benefits. Next, let's talk about the limitations to be aware of. Three primary instances where Social Security may be limited include Earnings Test, Windfall Elimination Provision, and Government Pension Offset.  
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