Modern Wealth

10/16/2026

Same sale price, two structures. One leaves you with far less after tax.

An asset sale usually costs you more. Part of the price is taxed at your ordinary income rate. A stock sale is usually taxed once, at the lower capital gains rate.

In one example, an earn-out sale paid $1,000,000. The seller kept just $729,400 after tax. Only the down payment got capital gains treatment.

The article covers three checks to run before you sign a letter of intent. It covers your entity type, what transfers, and your after tax number both ways.

Buyers want an asset sale for the step-up; sellers usually pay more tax in one. Learn who wins the structure fight and how to price it before your LOI.

10/13/2026

You sell your business, and Medicare bills you two years later.

The charge is called IRMAA. It is priced off your tax return from two years earlier. A sale now can push your premiums up later. You cannot appeal it after the fact: a profitable sale is not a qualifying reason on the form.

For a couple in the higher brackets, the extra cost can top $10,000. That is for one year alone.

Our article covers which tax return Medicare reads and what each income tier costs a couple. It also covers what to ask your CPA before you sign.



The full article: https://www.modernwealthllc.com/blog/your-business-sale-triggers-an-irmaa-bill-two-years-later/

10/13/2026

You sell your business, and Medicare bills you two years later.

The charge is called IRMAA. It is priced off your tax return from two years earlier. A sale now can push your premiums up later. You cannot appeal it after the fact: a profitable sale is not a qualifying reason on the form.

For a couple in the higher brackets, the extra cost can top $10,000. That is for one year alone.

Our article covers which tax return Medicare reads and what each income tier costs a couple. It also covers what to ask your CPA before you sign.

Selling a business can raise a couple's Medicare premiums by more than $10,000 for one year, billed two years after closing. Here is how to plan for it.

10/07/2026

What would happen to your loved ones if you were gone? Make financial preparations today.

Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.

10/06/2026

How prepared are you for retirement?

This checklist can give you a quick snapshot of how prepared you are.

10/04/2026

Do you know how to avoid internet fraud? Janet does. Learn how to keep yourself safe from data thieves of all kinds.

Learn about the dangers of internet fraud with this highly educational and fun “pulp” comic.

10/03/2026

You can start Social Security benefits as soon as you reach 62. Know the rules before deciding.

Monthly Social Security payments differ substantially depending on when you start receiving benefits.

10/02/2026

Do you know how missing the best and worst market days might affect your portfolio?

All about how missing the best market days (or the worst!) might affect your portfolio.

10/02/2026

You just sold your business and someone wants to put the cash into an annuity.

Many owners do not actually need one. A ladder of bonds timed to when you need cash can often cover your income, with no surrender period.

Surrender periods on these contracts can run six to eight years, sometimes up to ten. That is years of your sale proceeds locked away.

The article shows what to ask before signing: what it costs to pull money out early, how a bond ladder compares, and why a fee only advisor matters here.

The full article: https://www.modernwealthllc.com/blog/do-newly-liquid-owners-actually-need-an-annuity/

10/02/2026

You just sold your business and someone wants to put the cash into an annuity.

Many owners do not actually need one. A ladder of bonds timed to when you need cash can often cover your income, with no surrender period.

Surrender periods on these contracts can run six to eight years, sometimes up to ten. That is years of your sale proceeds locked away.

The article shows what to ask before signing: what it costs to pull money out early, how a bond ladder compares, and why a fee only advisor matters here.

Sold your business and the annuity pitches started? A fee-only fiduciary explains when a bond ladder covers your income without years of surrender charges.