Tom Cannizzo, CPFA, NQPC - Aspire Strategic Wealth

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Tom Cannizzo, CPFA, NQPC - Aspire Strategic Wealth

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Bringing clarity, simplicity, and confidence to people who want a financial plan that truly fits their life

11/02/2026

A charitable gift is a contribution of cash or property to, or for the use of, a qualified charity. A gift is "for the use of" an organization when it's held in a legally enforceable trust for the qualified organization or in a similar legal arrangement. Americans give billions of dollars to chariti...

10/30/2026

If you are self-employed, you generally must file a Schedule SE, Form 1040, and pay an additional tax on your self-employment income. The federal government uses this tax to fund Social Security and Medicare benefits. The self-employment tax rate on net earnings is 15.3%, with 12.4% of this rate for...

10/28/2026

The Pension Protection Act of 2006 first allowed taxpayers age 70½ or older to make tax-free charitable donations directly from their IRAs. Technically, these taxpayers were allowed to exclude from gross income otherwise taxable distributions from their IRA ("qualified charitable distributions," or...

10/26/2026

Here are some ways you can repair your poor credit.

10/23/2026

You may want to refinance if you can obtain a lower interest rate or lower your monthly payments.

10/21/2026

Some special mortgage programs allow you to purchase a home with no down payment.

10/19/2026

A "Roth 401(k)" is simply a 401(k) plan that allows employees to designate all or part of their elective deferrals as qualified Roth 401(k) contributions. Qualified Roth 401(k) contributions are made on an after-tax basis, just like Roth IRA contributions. This means that there's no up-front tax ben...

10/16/2026

Tax reference numbers at a glance.

10/14/2026

Charitable remainder and charitable lead trusts are special types of trusts into which you transfer assets, retain either a present or future economic benefit for yourself or your family, and provide for a present or future transfer to a charitable entity. The transfer into either one of these types...

10/12/2026

What is blockchain, and why does it matter?

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