Insights: Michelle Everman

Mercadien Partner Michelle Everman Participates in Panel Discussion on Planned Giving

Michelle V. Everman, CPA, PFS, CGMA, Managing Director & Co-Chair of Mercadien’s Individual Services and Family Office Group, participated with other experts in a panel discussion on the topics of Estate Planning & Planned Giving, hosted by Princeton Library for members of the community in October 2018. Ms. Everman provides tax, estate, financial and strategic planning to…

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Contemplating a Move to a State with Lower or No Income Taxes? Don’t Pack Your Bags Yet

Taxpayers of high-tax states often contemplate relocating and establishing their domicile in a more tax-friendly state.  With the latest tax act and the maximum federal deduction available for state and local taxes capped at $10,000, many more taxpayers are posing this question and exploring a strategy to change their domicile.  The strategy and success of…

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The Sandwich Generation

An early morning stop at the hospital to visit your parent and to catch the doctor on their morning rounds, a hurried arrival at work, making follow-up appointments for your parent, schedule the well visits for the kids, start work, follow-up on the medical insurance denial, add the parent teacher conference to your calendar, work,…

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Donor Advised Funds: Efficient and Effective Planned Charitable Giving

We have just completed the year-end rush of charitable giving and a barrage of requests from multiple organizations. How can we make this process more strategic and tax efficient? One option is a donor advised fund (DAF). A DAF offers an easy way for a donor to make significant charitable gifts over a long period…

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End of an Era? Potential Termination of the NJ-PA Reciprocal Tax Agreement

Governor Christie announced this week that he will NOT rescind the New Jersey – Pennsylvania Reciprocal Tax Agreement, as he threatened to do earlier this fall and I wrote about last week, giving taxpayers on both sides of the Delaware River something to add to their gratitude list for Thanksgiving.  The agreement will stand as…

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Retirement Planning for the Self-Employed

Self-employed individuals are notoriously busy, but that does not mean that planning for retirement should be put on the back burner. A recent survey indicated that 70% of America’s 10 million self-employed individuals are not saving regularly for retirement and 28% aren’t saving at all. It is well worth the time to explore the tax-advantaged…

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Congress Passes the PATH Act of 2015 and Makes Changes to Social Security in the Final Quarter of 2015

Keeping year-end tax planning interesting right up until the end, Congress acted in late December to pass The Protecting Americans from Tax Hikes (PATH) Act of 2015. This bill addresses a variety of popular but temporary tax provisions, commonly referred to as “tax extenders,” that expired at the end of 2014, and makes many of…

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Michelle Everman Selected as PRCC Champion of Business Award Recipient

Dear Friends, Welcome to 2016! The warm breezes of 2015 are now in the past and we can now look forward to the wonderful cold of winter and the beginning of a new year — 2016! The area fitness centers are full (for now) and people are following diets (for now). Ok, some people are…

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Mercadien Group Managing Directors earn prestigious PFS credential

The Mercadien Group is pleased to announce that two of the firm’s managing directors, Marguerite L. Mount and Michelle V. Everman, have been awarded the Personal Financial Specialist (PFSSM) credential by the American Institute of Certified Public Accountants (AICPA), joining an elite group of professionals who have demonstrated advanced knowledge of tax, estate, retirement, investment…

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File & Suspend: A Social Security Strategy

The file and suspend Social Security strategy received media attention after the 2015 fiscal budget was released by the White House earlier this year. The Obama administration, in their budget narrative “proposes to eliminate aggressive Social Security claiming strategies, which allow upper-income beneficiaries to manipulate the timing of collection of Social Security benefits to maximize delayed…

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