Sansone CPA & Financial

Sansone CPA & Financial Wealth Management & CPA Firm Based in Crystal Lake, Illinois

09/09/2026

Your trust may be the most expensive IRA beneficiary you can pick.

Most people name their trust on every account because that's what they were told to do. For one account in particular, that choice can quietly cost your family a lot more in taxes.

09/08/2026

You retired at 62 and now your health insurance costs more than your mortgage.

Retiring before 65 means paying for health insurance on your own, and at full price it can cost more than a mortgage. In early retirement you may have more control over your income than you think, and that income sets your premium.

09/03/2026

There's a way to know your April tax bill months before filing.

Your April tax bill doesn't have to be a surprise. A tax projection is a practice run of your return, done in the fall with your real numbers, while there's still time to adjust what you're paying in.

09/02/2026

One of the best tax planning windows starts the day you retire.

The first years of retirement are often the lowest-tax years of your life. Using that window well can mean a smaller lifetime tax bill, and every year it goes unused is gone.

09/01/2026

The First 5 Years of Retirement Matter More Than the Next 20.

A market drop in the first few years of retirement does more damage than the same drop later. That's called sequence of returns risk. Planning ahead for what you sell first, and keeping a few years of spending out of the market, can make or break your retirement.

08/27/2026

Your income today sets your Medicare premium two years from now.

Your Medicare premium quietly follows your tax return on a two-year delay, which means the income decisions you make this year show up in what you pay in 2028.

08/26/2026

Most people assume their CPA and financial advisor talk. They usually don't.

Financial decisions affect your taxes more often than most people realize. Good planning balances this year's tax bill against the taxes you'll pay over a lifetime.

08/25/2026

The most common estate planning mistake happens after you sign your trust.

New assets don't move into your trust on their own. Titling deserves a look every year, especially after you open an account or buy property.

08/20/2026

Which investments belong in which account?

Some of your investments may be sitting in the wrong account, and it can cost you at tax time year after year. There's a general rule of thumb for which investments belong where. This video walks through it.

08/19/2026

Asset Allocation vs. Asset Location: What's the Difference?

Two people can own the exact same investments and still end up with different tax bills. The reason comes down to a decision a lot of investors never think about. This video explains it.

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850 S McHenry Avenue Ste D
Crystal Lake, IL
60014

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