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.
“I think fpPathfinder is the best tool I’ve ever seen in the financial planning realm. I spend an unbelievable amount of time researching some of these issues that have been boiled down to one page: consulting with other experts, citing specific sources as a backup, reviewing my work, and coming to a final conclusion.”
— Jeff S, an advisor in Missouri
“These tools look great. They will really help me share quality content with those I assist and will allow us to reduce errors. Furthermore, these tools really help our teams look professional and solidify us as true planners”
— Shane, an advisor
“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
“ fpPathfinder is great. It's perfect for supplemental content to enhance our marketing efforts.”
— Ray, an advisor in California
“What you guys have created is pretty badass! I’ve used your material for both client meetings and prospective clients.”
— An advisor in California
“The resources available are beneficial internally and for clients. The checklists help advisors think outside the box of their knowledge and experience covering a multitude of planning areas. The flowcharts are well laid out visuals for the clients with possible scenarios identified and clear paths to take. fpPathfinders does a nice job updating the resources regularly and communicating to their customer base as well.”
— An advisor in Minnesota
“It’s brilliant to boil complex planning strategies into a one-page flowchart. It totally beats having to read 4 -5 articles to understand each nuance and exception, especially on the tax issues.”
— Meghan, an advisor in Georgia
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