Tax Implications of Losing a Spouse in Retirement: What Widows and Widowers Need to Know
Losing a spouse is one of life's most difficult experiences. In addition to the emotional impact, surviving spouses often face significant financial changes that can affect their retirement plan, income sources, and taxes.
Many retirees are surprised to learn that losing a spouse can trigger a substantial increase in taxes—even when their spending needs remain largely unchanged. Understanding these potential tax consequences ahead of time can help families make informed decisions and avoid unnecessary financial stress during an already challenging period.
In this article, we'll explore some of the most important tax considerations widows and widowers face, explain why tax bills often rise after the loss of a spouse, and discuss planning strategies that may help reduce future tax burdens. The concepts discussed are based on retirement planning principles frequently encountered by retirees and surviving spouses.
Why Taxes Often Increase After Losing a Spouse
Many retirees assume that if household income decreases after the death of a spouse, taxes should decrease as well. Unfortunately, that's often not what happens.
When one spouse passes away, several tax-related changes can occur simultaneously:
- Your tax filing status may change.
- Your standard deduction may decrease.
- Your Social Security benefits may become more taxable.
- Your tax brackets may shrink.
- Your ability to exclude capital gains may be reduced.
Individually, these changes may seem manageable. Combined, however, they can significantly increase a surviving spouse's tax liability.
Understanding Tax Filing Status After a Spouse Dies
One of the first tax issues surviving spouses encounter is determining their filing status.
Many people don't realize that if a spouse dies during the tax year, the surviving spouse may still be able to file a joint tax return for that entire year.
For example, if a spouse passes away at any point during the calendar year—even very early in the year—the surviving spouse may generally still file as Married Filing Jointly for that tax year, assuming other requirements are met.
This can be extremely beneficial because married couples typically enjoy:
- Higher standard deductions
- More favorable tax brackets
- Higher thresholds before Social Security benefits become taxable
After that year passes, many surviving spouses move into a different filing category, often Single, unless they qualify for another status such as Qualifying Surviving Spouse or Head of Household.
Because filing status can significantly impact taxes, it's often wise to work with a qualified tax professional following the death of a spouse.
How Social Security Taxation Changes for Widows and Widowers
One of the biggest retirement tax surprises involves Social Security.
Many retirees don't realize that Social Security benefits can be taxable depending on income levels. The formula is based on something called provisional income.
Provisional income generally includes:
- Half of your Social Security benefits
- Taxable IRA distributions
- Pension income
- Interest income
- Other taxable income sources
The challenge is that Social Security taxation thresholds for single taxpayers are significantly lower than those for married couples filing jointly.
As a result, surviving spouses frequently discover that benefits that were previously tax-free become partially taxable after losing their spouse.
An Example of the Widow's Tax Penalty
Consider a hypothetical retired couple:
- $40,000 annual Social Security income
- $10,000 annual IRA withdrawals
- $50,000 total retirement income
As a married couple, they may owe little or no federal income tax depending on their specific circumstances.
Now assume one spouse passes away.
The surviving spouse may lose one Social Security benefit, reducing total Social Security income. However, living expenses often don't decrease proportionally.
To maintain the same lifestyle, the surviving spouse may need to withdraw significantly more money from a traditional IRA.
Those larger IRA withdrawals increase taxable income.
At the same time:
- The filing status changes.
- The standard deduction decreases.
- Social Security taxation thresholds become less favorable.
The result can be a substantially higher tax bill despite having less household income.
This phenomenon is often referred to by financial planners as the "widow's tax penalty."
Tax Brackets Become Less Favorable
Another overlooked issue is the tax bracket structure.
Married couples generally benefit from wider tax brackets than single filers.
After a spouse dies, the surviving spouse often finds themselves in a higher effective tax environment because the income thresholds for each bracket are lower.
This means IRA withdrawals, pension income, and investment income can push the surviving spouse into higher marginal tax rates more quickly.
Retirees who have accumulated large traditional IRA or 401(k) balances are especially vulnerable to this issue.
Standard Deduction Changes
The standard deduction also plays a major role.
Married couples filing jointly receive a larger deduction than single filers.
Once a surviving spouse begins filing individually, the deduction generally becomes much smaller.
This creates another layer of taxable income that didn't previously exist.
Many retirees focus solely on investment returns and Social Security planning while overlooking how deductions affect their long-term tax picture.
Capital Gains Considerations After Losing a Spouse
Taxes aren't limited to retirement accounts and Social Security.
Investment accounts can create additional planning opportunities and risks.
Capital Loss Carryforwards
If you've experienced investment losses in the past, you may have accumulated capital loss carryforwards.
These losses can often be used to offset future investment gains.
However, many surviving spouses don't realize that unused capital loss carryforwards associated with a deceased spouse generally do not continue indefinitely.
This makes tax planning during the year of death particularly important.
Strategic realization of gains and losses may help maximize available tax benefits.
Home Sale Exclusion Rules
The sale of a primary residence presents another consideration.
Many married couples can exclude up to $500,000 of gain when selling a primary residence if IRS requirements are met.
After losing a spouse, that exclusion may eventually drop to $250,000 for a single filer.
For retirees who have owned a home for decades and experienced substantial appreciation, this can create a meaningful tax issue.
Timing becomes especially important if a home sale is being considered following the death of a spouse.
Strategies to Help Reduce Future Tax Burdens
While no one enjoys thinking about losing a spouse, proactive planning can potentially reduce financial stress later.
Several strategies may help.
1. Tax Planning Before It's Needed
The most effective strategy is often proactive tax planning while both spouses are still alive.
Many retirees focus on investment returns but spend little time evaluating future tax exposure.
A comprehensive retirement income plan should consider:
- Future tax bracket changes
- Social Security taxation
- Required minimum distributions (RMDs)
- Widowhood tax scenarios
- Legacy planning goals
The years immediately after retirement can create valuable tax-planning opportunities.
2. Roth IRA Conversions
Roth conversions are frequently discussed because they can provide tax diversification.
Converting portions of a traditional IRA into a Roth IRA may create taxes today, but future qualified withdrawals can potentially be tax-free.
For surviving spouses, Roth assets can be particularly valuable because:
- Qualified withdrawals are tax-free.
- They do not increase provisional income.
- They may help reduce Social Security taxation.
- They can provide flexibility during retirement.
Every situation is unique, so conversion decisions should be evaluated carefully.
3. Life Insurance Planning
Life insurance isn't appropriate for everyone, especially in retirement, but it can serve an important purpose in some situations.
Death benefit proceeds are generally income-tax free to beneficiaries.
That tax-free money can potentially:
- Replace lost income
- Reduce dependence on taxable IRA withdrawals
- Provide liquidity during difficult transitions
- Help offset future tax burdens
For some retirees, life insurance can function as a financial buffer that creates flexibility for the surviving spouse.
4. Coordinating Financial and Tax Professionals
One of the biggest mistakes retirees make is treating tax planning and financial planning as separate activities.
The most successful retirement strategies often involve coordination between:
- Financial advisors
- CPAs
- Estate planning attorneys
When professionals work together, opportunities to reduce taxes and preserve retirement income are often easier to identify.
The Emotional Side of Financial Decisions
It's important to acknowledge that financial decisions made after the death of a spouse are rarely just financial decisions.
Grief can affect judgment, timing, and priorities.
Many financial professionals recommend avoiding major irreversible decisions immediately following the loss of a spouse whenever possible.
However, taxes don't stop during periods of grief.
That's why planning ahead can be so valuable. A thoughtful retirement income strategy can provide a roadmap when emotions are high and important financial decisions must still be made.
Frequently Asked Questions About Losing a Spouse and Taxes
Can I still file jointly if my spouse dies during the year?
In many cases, yes. If you were legally married during the year your spouse died, you may still be able to file a joint return for that tax year. Consult a tax professional regarding your specific situation.
Does inheriting my spouse's IRA trigger immediate taxes?
Generally, a surviving spouse can assume ownership of the IRA and continue tax deferral. Immediate taxation is typically not required solely because the IRA was inherited from a spouse.
Why do widows and widowers often pay more taxes?
Tax filing status changes, lower deduction amounts, smaller tax brackets, and increased Social Security taxation can all contribute to higher taxes after the death of a spouse.
Will my Social Security benefits become taxable after losing my spouse?
Possibly. Changes in filing status and retirement income sources can increase the percentage of Social Security benefits subject to taxation.
Can Roth IRAs help reduce taxes for surviving spouses?
Potentially. Qualified Roth withdrawals are generally tax-free and do not increase provisional income used in Social Security taxation calculations.
Should retirees plan for widowhood tax issues in advance?
Yes. While it's an uncomfortable topic, proactive tax planning can potentially reduce future tax burdens and create more flexibility for surviving spouses.
Final Thoughts
Losing a spouse is emotionally devastating, and the financial implications can be significant. Unfortunately, many retirees don't discover the tax consequences until after they're already facing them.
Understanding how filing status, Social Security taxation, IRA withdrawals, tax brackets, capital gains rules, and deductions change after the death of a spouse can help families prepare in advance.
The goal isn't to eliminate every tax challenge. Rather, it's to create a thoughtful retirement strategy that provides flexibility, protects income, and helps surviving spouses navigate an already difficult transition with greater confidence.
When retirement planning includes tax planning, families are often better positioned to handle whatever the future may bring.
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Daniel Wendol
Item #1
00:00:03
today I want to talk about the tax implications of losing a spouse it’s a horrible thought but a lot of times people will lose their spouse and be in financial turmoil and one of the things that they deal with is taxes and I’m going to talk about some of the things that widow or widower should really think about maybe even in advance of losing a spouse when it comes to taxes I’m going to bring in my co-host Tony Shore Tony welcome to the show we’re going to be talking about taxes so what
00:00:31
I want to do as I always like to do when we talk about taxes is um have my C my kids come in and give us a little pep talk you ready for this dolphin Financial Group does not provide tax advice see a CPA for tax advice there he goes that was Johnny so taxes after losing a spouse so it’s like hey you just lost a spouse bam let’s talk taxes wow yeah I mean Dan could you pick a couple of uh happier topics taxes and losing your spouse well death and taxes right what else can’t we avoid right um
00:01:14
yeah so it I think yeah it’s a tough topic we’ve done this show before but years ago before the internets for the video um but it’s important to know that when you lose a spouse your tax liabilities your tax situations going to change pretty drastically and so if you don’t know about it and you lose a spouse and you’re like caught unaware now you’re talking even more turmoil more trauma so let’s talk about this for the people out there that are married and um may not realize some of
00:01:57
the big issues uh one of the big ones people always ask me about is oh what happens if my spouse dies to their IRA I get that but I have to pay taxes on all that I think a lot of people realize that if you inherit an IRA as a spouse there are no tax implications you make it your own not the same if you inherit an IRA from someone else not your spouse well put the show up here for those that are interested in that but one of the um the big issues about losing a obviously you’re going to be going through turmoil
00:02:30
you’re going to be going through trauma I would I would recommend that you don’t make any major financial decisions when you lose a spouse give it some time don’t rush right but when it comes to taxes IRS is not going to wait yeah but Dan I have a quick question here you say and it’s right there on the screen inheriting an IRA there’s no tax implications for the spouse but if it’s a traditional IRA what do you mean by no tax implications because when I if my wife passes and she has an IRA which she
00:03:03
does um I inherit the IRA but I still have to pay taxes on that money if I take it out right I just don’t have to pay inheritance tax is that what you’re talking about well no so different so if you inherit an IRA from your spouse that passed it becomes your own you can make it your own so it’s as it stays the same in terms of tax deferral you’re going to have to pay tax on it at that some point sure but you don’t have to take it right then and there right whereas if your mom
00:03:35
died and left you in an IRA that’s a different story now there’s tax implications now you have a timeline that you have to deal with it and so forth so but for a spouse losing a spouse assets passed generally speaking right to each other without any tax implications okay now what also changes is your tax filing status and you see these when you file your taxes if you file your taxes I’m hoping you file your taxes if you’re watching um you could file jointly married you could file married filing
00:04:07
separately you could file qualifying Widow single head of household so forth and so when you’re married filing jointly and you lose a spouse all of a sudden the question becomes can you still file married filing jointly so I’m going to put a link down here for people watching on YouTube there’s an IRS tool that’s is actually pretty good surprise the IRS tries to make it easy to figure out what is your filing status what is your filing status and you go through it and you ask answer questions and it’ll ask
00:04:41
you hey are you are you married yes but my spouse died well did they die this year or did they die previous year well they died this year okay and they go through different things and it gives you what your filing status options are but here’s the key to note for those of you that lose a spouse if you were married in the year you lost the spouse you could file as married filing jointly or separately depending on what your situation entails you could file married for that full year if you lost a
00:05:17
spouse that year so if I had I literally had a client whose spouse died January first just random you know right the what are the odds um she was able to file that full year as married because she was married for a day that year interesting it’s important to know that yeah I did not know that that’s a that’s a new one so yeah stick with me Tony I teach you some things I know I know that’s why I’m here each week I want to give an example to kind of show how important this is so um there’s some other taxes
00:05:59
that you have to figure out not just income tax but there Social Security tax this is a show about retirement planning so odds are the viewers are close to or already taking social security and Social Security is taxable we’ve done shows on Social Security taxation it is taxable not all of it though so there’s some limits that were made in the 80s that haven’t been updated for inflation it’s another story but the limit is $25,000 a year for a single person or 32,000 for a joint person filing jointly
00:06:39
that’s provisional income real quick provisional income is half of your social security benefit plus all your other income so if you go from a married person to a single person the amount of so security income that is taxable will change based on these numbers also what changes tax brackets we know tax brackets you know these are the ones that go 0 to 10 10 to 12 12 to 22 you based on income they are roughly half for a single person than they are for joints so you can make double the amount
00:07:16
of income and stay at that tax bracket uh as a joint person but if you lose your spouse now you’re at the single bracket except that first year right remember y right and that’s why it’s important so also changes the standard deduction gets cut in half so 29,200 in 2024 for a married couple under age 65 you get a little bump did you know that Tony you get a little bump up when you turn 65 in your standard deduction no yeah you get an increase in your standard deduction but um generally
00:07:50
speaking it’s half so 29,000 you lose a spouse now all of a sudden you can only deduct 14,600 as deduction so let’s use an example to kind of talk through some of the implications here a couple has $50,000 of income we’ll say 40,000 of the income comes from Social Security and we’ll say they’re both getting about $20,000 a year from Social Security so that’s not that’s not unreasonable what is that $1,800 a month something like that so they still are short so they use
00:08:27
10,000 for their IAS so let’s just imagine this couple and this is very simplistic but 40,000 from Social Security 10,000 from IR withdrawals their provisional income in this scenario is half their social security which is 20,000 and all the other income which is 10 so their provisional income is 30,000 if we go back to this jointly 32,000 they don’t pay any tax on social security none of their social security is taxable in this case so they’re getting $40,000 of social security income
00:09:03
tax-free which is nice yeah pay tax on the 10,000 they pay tax on the 10,000 withdrawal from the IRA however the standard deduction is 29,000 so odds are they’re paying zero tax in this scenario as a married couple but that sounds great married jointly no taxes single all of a sudden they have taxes so let’s fast forward spouse dies they still have 50,000 of income but now let’s look at really what happens this is really important for people to understand how just doing nothing different re really just losing
00:09:42
a spouse dramatically changes their income they’re going to now so let’s say the husband dies and the wife is a widow and she now has to file single okay she needs 50,000 of income would you say Tony that $50,000 of income you lose spouse your income needs not going to drop dramatically your income needs are not going to drop but your income will much but your income will your income will well maybe so in this case we’re saying she still needs $50,000 right so instead of getting $50,000 from 40,000 Social Security
00:10:21
which she can’t so she loses one of the Social Security benefits whichever is lower we’ll just call it half so she now only gets 20,000 from Social Security she still needs 50,000 to live so she’s going to pull 30,000 from the IRA okay so 20,000 from Social Security 30,000 from the IRA we still got 50,000 she’s okay goes from paying no taxes now all of a sudden what’s going to happen let’s look at the provisional income provisional income again half the Social Security benefits so 10,000 plus the 30
00:10:55
from Social Security I mean from the IRA that’s $40,000 provisional income we look at the provisional income chart she’s well above the $25,000 of provisional income that’s taxed not taxed so her social security is now taxable they’ve gone from non-t taxable social security as a joint couple to taxable Social Security as a single person Additionally the 30,000 from the IRA is taxable and the standard deduction gets cut in half so now that’s taxable so she gone from no taxes on
00:11:32
50,000 to taxes on 50,000 and really nothing has changed besides losing a spouse so not only do you get the whammy of losing a spouse loved one and all the drama associated with that you now get the IRS saying but bam we’re going to tax you on that same level of income because terrible you are now fining single they need to change that law that’s really it’s really penalizing people who lose spouse Widow and widows and widowers that’s not good right now that first year she can
00:12:06
still file jointly and that’s the time to make some Financial moves to show some income because you got you still have showing income for two even though your only income for one so you make some moves but you can make some moves prior to which I’ll get to a moment but you’re right there’s a penalty to it’s not the tax in and I think one of the main reasons is because they didn’t tie the Social Security taxation rate or the income level to in uh inflation they left it at 25,000
00:12:38
32,000 from 1981 which back then 25,000 for a single person was not bad you can almost say to yourself okay if I had 25,000 of Social Security I could be okay 25,000 in 2024 is nothing it’s nothing it’s nothing yeah so they could fix it by easily just adjusting the Social Security taxation limits on Social Security uh by inflation problem Sol right now Dan Wendell for president is all that I’m thinking it’s all that’s going through my mind Dan wend for president you need
00:13:17
to change that that would be the first thing I do so let’s remember inflation remember how we all complained about it and we’re all saying oh inflation blah blah blah how about we adjust inflation for Social Security people you know retirees because they’re not going back to work they’re not going to go ask for a raise yeah I get upset about this okay so that’s in a nutshell how people can get in trouble with taxation just by losing a spouse wow really from no fault
00:13:45
of their own besides maybe not preparing so you said there are ways to prepare ahead of time for this yes I wan to um I want to find I had another here we go capital gains implications as well before we get into things you could do here’s another issue that they’ll face capital gains tax now when you invest in something and it grows so you bought $100,000 worth of stock and it turned to $120,000 because you’re a genius you pay taxes on the game at a different rate than ordinary income tax
00:14:23
you pay capital gains tax a lot of people don’t know that if you put 100,000 in to the stock market and it went to 80 you have a capital loss that you can use to offset any future gains and you could carry that loss forward in time called the capital loss carry forward so if you made a bad investment and lost 20,000 in 2022 and then um you know you got you got a loss you’re like oh man what am I gonna do I can’t write it off that IRS doesn’t let you write the whole thing off but you keep it there you
00:14:57
write a little note I you can write it on the chalkboard I will never invest in this again I will never invest in this again right and just a bit of reminder but it’s nice because if you do have gains in the future you can then say Oh I just made 20,000 on that great pizza buffet deal that Tony came up with um IRS is gonna be like good job you owe us taxes on that 20K and you be like but wait what about that stupid bonehead mood I move I made in 2022 I lost 20,000 on the IRS be like oh okay
00:15:28
yeah zero taxes right zero R when you die your carry loss dies with you cannot carry forward losses from your spouse in the future that’s a problem so that that year you lose a spouse you want to make sure you’re offsetting their Capital losses because they’re going to be gone if you don’t it’s a big thing people don’t realize you can’t carry loss forward when you’re dead um also this is one a lot of people know about when you sell your home you get a $500,000 capital gain kind of exemption
00:16:12
for a married couple that and when we did a show on I’ll put it up here for those watching when you sell your house if you bought it for $50,000 in 1980 and you sell it for $400,000 in 2022 25 whatever you have a $350,000 gain say if you’re married it’s below the 500,000 exemption you don’t pay tax on that gain on home on your primary home when you lose your spouse you lose half of that exemption so you can you can’t write 500,000 off anymore you can only write off 250 as a single
00:16:49
person oh well that lasts for two years after death so when you lose a spouse and you have a large gain in your home you may want to consider how to utilize that law that exemption amount okay something to consider okay now you said strategies because you know it’s we’re bringing up terrible things let’s talk about some strategies um strategies to losing a spouse an easy one is tax planning first thing you should consider doing is hiring a CPA that especially you know if you do your own tax and then you lose a
00:17:30
spouse it’s like well how do I you know what if you remarry that year what if you know how do how do the brackets change what do I all those questions can be confusing gets messy yeah and even if you do it yourselfer you might say maybe this year I’ll pay someone just so I don’t mess up because really need to this carry loss forward what does that mean the home exemption like I and for your clients they can come to you with these questions you’re not a CPA but you can you can tell them hey
00:18:02
here’s what you need to ask your CPA here are some of the strategies that’s why working with a financial professional who knows you and your situation is so critical Dan I mean I just really encourage our listeners if they don’t have a trusted Financial Services professional like you who’s holistic and looks at the big picture and all these different items um and stays on top of the rules I mean you’re going to be out of luck well you’re going to want to do tax planning which
00:18:31
is what I do tax prep is easy you can hire someone to run the numbers right plug it in the software but you got a plan for this you got to think this through and it’s like well should I file as a married jointly or married separately uh am I a qualifying Widow what is that that’s a you see that on there qualifying Widow head of household what’s the difference between if you have lost a spouse and you still have dependent children you could file as a qualifying Widow well tell me more about
00:19:00
that this is where you bring the CPA in and do the math right so tax planning is the number one way to mitigate these risks number two would be life insurance normally life insurance isn’t relevant for people that are retired life insurance is usually a income replacement um you’ll see a lot of people say oh you need life insurance as a retirement plan to live off of your cash value life insurance yeah yeah yeah yeah yeah that’s usually for the super wealthy for the average person using
00:19:30
life insurance for anything other than death benefit is a stretch but you could use it as a death benefit so that if you do lose a spouse yeah you’re going to lose their social security income how you going to replace it what if you don’t have an IRA if you have life insurance that’s tax-free and then you can use that and not have to worry about tax brackets because you’re not paying tax on life insurance proceeds or you can use the life insurance proceeds to pay the tax bill you could pay the tax
00:19:54
bill on people that own Farms like you Tony or you can have the tax um you could just use that income to live over time and take less from the taxable account so you stay below the threshold so your Social Security isn’t taxed because in our example we said well she needs income takes it from a taxable IRA account all of a sudden now her income goes up her taxes go up and her social security is taxable if you had some life insurance proceeds or non- taxable money then you could pull from there and not
00:20:24
raise your taxes you could still go tax-free with the same level of income right and life insurance is an easy way another way is a Roth if you pull from a Roth IRA you don’t pay tax on it there’s no required minimum distributions on a Roth so you could use a Roth in a case where this is a scenario where you still need the income but you don’t want to raise the taxes on your Social Security Roth is good so what do you do you plan for that in advance and you convert money over time from traditional to a
00:20:54
Roth ideally when you’re in your 30s 40s 50s you’re adding to a Roth instead of traditional but for most people they don’t do that they have just traditional IRA 401K you start converting especially early in retirement when you’re young and maybe you have a little bit of leeway in your tax bracket as a married couple well we don’t spend 70,000 why are we taking 70,000 out of our Ira because you’re only paying 12% tax on it I don’t want to pay taxes well no one does but let’s
00:21:24
pay 12% tax now so that later you don’t pay any tax and if one of you dies that’ll help kids would love it too so conclusion Tony it stinks to lose a spouse I’m lucky enough that I have not lost my spouse but I’ve seen many a lot of my clients have lost spouses I lose I mean I lose clients to death every year and I have a plan in place for how to handle it and my clients go through the process and they still get emotional and they still make crazy decisions because it’s difficult um on top of that you
00:22:08
throw the tax burdens in there you throw this tax nonsense and tax tables and joint and single and you know carry loss and all this stuff goes in their head explode so you need to get a CPA involved or a tax plan or somebody that’s going to walk you through it but ideally you think about this while you’re both alive and you plan for it you talk about taxes you talk about Tax Strategies and you talk to your financial planner or your CPA and say what can we do now while we’re both alive and well to protect against some
00:22:45
sort of tax burden if one of us dies it’s a weird question to think about but why not what else do you got to do what else are you doing with your time right there’s a hobby plan your taxes out in case you lose a spouse yeah good show and yeah it really great information Dan I mean a lot of people I don’t think have any idea how this works and again the IRS makes it complicated makes it difficult for people and has stupid rules that you know I mean penalizes uh you know the surviving
00:23:22
spouse the these tax rules it’s infuriating but it’s good to know that there are strategies that if you put them in place beforehand will help you deal with that that’s really the message here I think and Dan I encourage our listeners and viewers on YouTube to give you a call to get a plan in place uh it’s just so important yeah and you know a lot of a lot of most people in this country retirees are using Social Security as their as their Foundation it’s a big part of it and they really
00:23:55
really need to understand how the taxes are impacted when they lose a spouse yes it’s a traumatic experience but it happens so yep I hopefully you learned a few things give us a call if you need anything the number is 888 585930 again we’re not tax preparers we don’t give tax advice but we’re here to give tax planning advice just give us a call Tony thanks for a good show we’ll catch everyone next week all matters discussed in today’s show for informational purposes only this show is
00:24:23
not investment advice Dan Wendol nor Dolphin Financial Group are affiliated or endorsed by any government agency investment advisory services are offered through Dolphin Wealth Management Inc a registered investment advisor in the State of Florida Insurance products and services are offered through Dolphin Insurance Inc Dolphin Wealth Management Inc and Dolphin Insurance Inc are affiliated companies doing businesses as Dolphin Financial Group you should talk to someone at Dolphin Financial Group before implementing any of these
00:24:52
strategies or ideas