David Bates

Financial Planners, Annuities & Retirement Insurance Plans, Financial Planning Consultants

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David Bates

Charitable Giving
Taxes can make a large impact on what your beneficiaries receive, but there are a variety of ways to help reduce taxes and make sure you pass along assets as efficiently as possible, including the strategic use of personal trusts, beneficiary management and charitable giving and gifting. Another option is a capital transfer strategy, which allows the repositioning of certain taxable accounts â€” such as CDs and brokerage accounts â€” for a cash-value life insurance policy, which can provide tax-deferred growth and a guaranteed death benefit for your heirs.

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Neighborhood: East Louisville
AKA: Bates David Cfp
Categories: Financial Planners, Annuities & Retirement Insurance Plans, Financial Planning Consultants, Financial Services, Investment Advisory Service, Investment Management, Investments, Mutual Funds, Retirement Planning Services, Stock & Bond Brokers

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Phone: (502) 489-5399

Address: 12910 Shelbyville Rd Ste 250, Louisville, KY 40243

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David Bates

Charitable Giving
Taxes can make a large impact on what your beneficiaries receive, but there are a variety of ways to help reduce taxes and make sure you pass along assets as efficiently as possible, including the strategic use of personal trusts, beneficiary management and charitable giving and gifting. Another option is a capital transfer strategy, which allows the repositioning of certain taxable accounts â€” such as CDs and brokerage accounts â€” for a cash-value life insurance policy, which can provide tax-deferred growth and a guaranteed death benefit for your heirs.
Estate Taxes
Tax Services
Roth IRA
Inherited IRAs and Inherited Roth IRAs, ( not tied to age 73) please contact your financial advisor or tax professional for detailed RMD rules.
Income Tax
You must take your RMD withdrawal by December 31 each year. However, if you turn 73 this year, you may delay your first RMD withdrawal until April 1 of the following year. Waiting until next year would require you to take both this yearâ€™s and next yearâ€™s distribution in the same tax year, which could increase your overall income tax liability for next year. Before deciding to delay your initial RMD withdrawal, you should consider the tax effects of this decision.
Tax Deferral
Plan contribution and distribution summary: lists contribution activity for qualified investments (retirement investments eligible for tax-deferral benefits)
Capital Gains Taxes
If you receive stock options or equity in a company as part of a compensation package, you can choose to be taxed on those assets at the time of the grant instead of when you become vested by filing whatâ€™s called an 83(b) election with the IRS. By accelerating your taxation, you shift the equityâ€™s tax treatment from ordinary income taxes to capital gains taxes and potentially save money on taxes â€” especially if the assetâ€™s value at the time itâ€™s granted is nominal and it appreciates in value over time. However, if you file an 83(b) election, but donâ€™t stay with the company long enough to vest or the value of your shares goes down, you could overpay in taxes. Work with a tax professional to determine if this makes sense for you.

Mutual Funds
You should consider the investment objectives, risks, charges and expenses associated with any Columbia fund or 529 plan investment before investing. Visit www.columbiathreadneedle.com for a mutual fund prospectus or 529 plan's program brochure, which provides this and other important information. The prospectus or program brochure should be read carefully before investing. You should also consider, before investing, whether the investorâ€™s or designated beneficiaryâ€™s home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such stateâ€™s qualified tuition program.
Bonds
Wealth Management
Ameriprise Financial, Inc. is a diversified financial services company that primarily engages in business through its subsidiaries listed below, and provides broker-dealer, advisory, wealth management, asset management, insurance, lending and related products and services.

Accounting Services

Financial Planning
Confirmations of most activity, such as a beneficiary updates or name changes, are available online within 4 days of processing the change. Others, such as financial planning confirmations, may require up to 10 days to become available online.
Retirement Planning
Clients or client groups with a brokerage account or advisory (managed) account if any of the following types of brokerage activity occur with their accounts during the month...
Annuities
Annuities and insurance products are issued by RiverSource Life Insurance Company, Minneapolis, Minnesota, and in New York only, by RiverSource Life Insurance Co. of New York, Albany, New York.
Asset Management
Columbia funds and Columbia Acorn funds are distributed by Columbia Management Investment Distributors, Inc., member FINRA. Columbia funds are managed by Columbia Management Investment Advisers, LLC (CMIA), and Columbia Acorn funds are managed by Columbia Wanger Asset Management, LLC, a subsidiary of CMIA.
College Funding

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