fpPathfinder

Helping Diligent Advisors Ensure They're On The Right Planning Path

Flowcharts Updated With 2019 Annual Limits


Announcements, Updated Resources

We’re excited to release the 2019 versions of the flowcharts for our Essentials and Deluxe members. Many flowcharts have been updated with 2019 annual numbers. Some have been updated to incorporate member feedback.  While most are now available on the site, a few more will be added in the next few weeks (the flowchart elves are hard at work!).  And don’t worry, we’ll keep the 2018 versions of the flowcharts available until mid-April.

See the updated 2019 version of “Can I Make A Deductible IRA Contribution?” flowchart. 

If it’s been a while since you’ve visited the site, we’ve prepared a new format to describe the key elements for each flowchart.  

Getting money into qualified plans/accounts:

Deductible IRA contribution rules
Backdoor Roth IRA contribution rules
Roth IRA contribution rules
Mega Backdoor Roth IRA contribution rules
HSA contribution rules
Picking the right retirement plan (for business owners)
Evaluating the benefits of a 401(k) rollover
Roth conversion rules
 

Getting money out of qualified plans/accounts:

Roth IRA distribution rules
Traditional IRA distribution rules
NUA distribution rules
Evaluating the benefits of a 401(k) rollover
QCD rules
Inherited IRA rules (spouse)
Inherited IRA rules (non-spouse)
RMD rules
Roth conversion rules
 

Healthcare:

Medicare eligibility
IRMAA Surcharges
Medicare enrollment penalties
Medicare enrollment timing
Healthcare coverage options after retirement but before Medicare

 

Social Security:

Social Security eligibility for spouses
Social Security for divorced individuals
Social Security for surviving spouses 

 

Estate planning / Tax:

Basis rules for gifted property
Inherited IRA rules (spouse)
Inherited IRA rules (non-spouse)

Do you find this table of contents helpful? Let me know if this version is easier to find what you are looking for?

 

White Labeling Is Here!

Recently, we announced the launch of our Deluxe membership, which includes white labeling and digital rights to share the flowcharts online.  We’ve even made one of the flowcharts available for you to try the new white label functionality yourself.  

What Customers Are Saying About Us

Hundreds of other advisors are actively using fpPathfinder. Read what those lovely people have to say about us.
“Overall, I have really enjoyed the service as it makes teaching and educating people much simpler. ”
— Michael, an advisor in California
“fpPathfinder is a great tool! It mirrors much of what I've developed on my own for tax planning, life events, etc. However, it's been great to double-check my own work in those areas and also to motivate me to deepen my knowledge on other topics”
— Jonathan, an advisor in Colorado
“This is probably the best money I have ever spent. I love fpPathfinder!”
— Phillip, an advisor in North Carolina
“The white-label feature in Deluxe is really fantastic. It is really powerful to talk through the decision tree with a client with our logo & color options on the chart, frankly, because it makes us look smarter!”
— Bill, an advisor in New York
“fpPathfinder is one of a few tools that I use most often in my practice. It has improved my process and the client outcomes.”
— An advisor is Texas
“Love the Redtail integration - it’s been instrumental in my prep for my client reviews. I’m finding my self being over-prepared because of the robust lists which is great.”
— Don, and advisor in California
“In client meetings I'm often sharing a checklist regarding a specific topic, and helping clients understand the planning issues, opportunities, and process all very quickly and efficiently.”
— An advisor in Texas
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