Planning for business or matters in personal life require much thought.  There are many considerations and choices to be made.  Below are some articles, planning tools and frequently asked questions on topics that may be relevant to you.  Please review them and contact us with any additional questions or needs you may have. We are here to help you grow!  Not only in your business life, but also in your personal life. Investments and advisory services offered by representatives of and through Lincoln Financial Securities Corporation, member SIPC. Lincoln Financial Securities Corporation and its representatives do not offer tax or legal advise. Lincoln Financial Securities Corporation and Robert A. Liberto, CPA, P.C. are not affiliated.

Business Owner   Decision Tools     Choosing an entity       Choosing a business entity       Comparison of LLCs, LLPs, and professional corporations     Tax planning       Accelerating deductions/postponing income       Accelerating income/postponing deductions   FAQs     Incorporating a business       Should I incorporate my business?   Education Planning   Articles     529 plans       529 plans vs. other college savings options       The ABCs of 529 plans   Decision Tools     Determining how much to save for college       Finding the funds to pay for a college education       Higher education figures at-a-glance     Evaluating college savings options       Advantages and disadvantages of 529 plans       Advantages and disadvantages of Coverdell education savings accounts       Advantages and disadvantages of custodial accounts for college savings       Advantages and disadvantages of U.S. savings bonds for college savings   FAQs     Education tax credits       Now that my child is in college, am I entitled to any education tax credits?       What are the Hope credit and the Lifetime Learning credit?   Estate Planning   Articles     Estate planning basics       Estate planning--an introduction       Gift and estate taxes       Wills--the cornerstone of your estate plan     Medicaid planning       Medicaid and nursing home care       Medicaid planning basics   Decision Tools     Estate planning basics       Steps to estate planning success   FAQs     Estate and gift tax       I just made a gift. Do I have to file a gift tax return?   Government Benefits   Articles     Medicare and Medicaid       Medicaid and nursing home care       Medicaid planning basics       Medicare     Social Security       Social Security disability benefits       Social Security retirement benefits       Social Security survivor's benefits       Understanding Social Security   Decision Tools     Medicare and Medicaid       Medicaid eligibility for nursing home care       Medicare, Medigap, and Medicaid     Social Security       How earnings affect Social Security       Social Security figures at-a-glance       Sources of retirement income: filling the Social Security gap   FAQs     Medicare and Medicaid       How do I enroll in Medicare?       I'm thinking about placing my mother in a nursing home. Will Medicaid pay for her care?       If I'm covered by Medicare, should I have additional health insurance?     Social Security       Are my Social Security benefits subject to income tax?       Does my 16-year-old have to pay Social Security tax on her earnings?       How can I get an estimate of my Social Security benefits?       How do I get disability benefits from Social Security?       My husband and I are divorcing after 30 years of marriage. Will I still be able to receive Social Security retirement benefits based on his earnings record after our divorce?       Should I retire now at age 62 and collect Social Security benefits, or should I wait until age 65?       What happens if I start collecting Social Security after age 65?       What is SSI?       When do I have to apply for a Social Security number for my newborn?       When I retire, how much will I receive from Social Security?       Will my children receive money from Social Security when I die?   Investment Planning   Articles     Choosing investment vehicles       Annuity basics       The best ways to save for college       Understanding mutual fund share classes     Investment basics       Handling market volatility       Investment planning--the basics       Taxation of investments       Understanding risk   Decision Tools     Creating an investment portfolio       Annuities       Asset allocation pie chart illustrator       College funding options analyzer       Common types of mutual funds       Investing for retirement   Retirement Planning   Articles     Health care issues       Medicare       Should you buy long-term care insurance?       Understanding long-term care insurance     Saving for retirement       Annuities and retirement planning       Borrowing or withdrawing money from your 401(k) plan       Deciding what to do with your 401(k) plan when you change jobs       Understanding IRAs   FAQs     Health care issues       Can I deduct premiums paid for long-term care (LTC) insurance?       How can I pay for nursing home care?       How can I tell if a nursing home provides high-quality care?       How do I enroll in Medicare?       Should I buy long-term care insurance?       What is long-term care insurance?     Saving for retirement       How aggressive should I be when I invest for retirement?       How late is too late to start saving for retirement?       How much money should I save for retirement?       I think it's time to start planning for retirement. Where do I begin?     Social Security       Are my Social Security benefits subject to income tax?       How can I get an estimate of my Social Security benefits?       Should I retire now at age 62 and collect Social Security benefits, or should I wait until age 65?   Tax Planning   Articles     General tax planning       Am I having enough withheld?       Tax benefits of home ownership       Tax planning for income       Tax planning for the self-employed       Year-end tax planning   Decision Tools     General tax planning       Accelerating deductions/postponing Income       Accelerating income/postponing deductions       Federal individual income tax fundamentals     Tax credits and deductions       Comparison of education tax credits and deductions       General business tax credits       Is my home mortgage interest fully deductible?   FAQs     General tax planning       Am I having enough tax withheld from my paycheck?       Are my Social Security benefits subject to income tax?       Are scholarships and grants subject to federal income tax?       Do I have to file a federal income tax return?       What is my tax bracket?       What is the alternative minimum tax?       What is the basis of property received as a gift?       What is the kiddie tax?     Tax deductions       Can I deduct home office expenses?       Can I deduct premiums paid for long-term care (LTC) insurance?       Can I deduct the cost of improvements or repairs I've made to my home?       How do I deduct and substantiate my gambling losses?       I paid my mother's real estate taxes last year. Can I deduct this on my tax return?       I refinanced my principal home last year and paid points. What are points, and can I deduct them on my tax return?       If I work at home occasionally, am I entitled to a home office deduction?       My spouse and I are filing separate returns. Can we both itemize our deductions? If so, how do we split the deductions?       We just bought our first home. What can we deduct from the settlement statement?     Taxes and home ownership       How do I figure the tax on the sale of my home?