Fontana Financial Planning

07/18/2026

A large appreciated stock position can be both a blessing and a challenge.

Many investors hesitate to sell because they don’t want to trigger capital gains taxes. Others hold too much of a single stock and unknowingly take on significant concentration risk.

The reality is that there isn’t a one-size-fits-all solution.

In our latest YouTube video, we discuss several planning strategies that may be appropriate depending on your situation, including:

* Charitable gifting of appreciated stock
* Donor-advised funds
* Securities-based lines of credit
* Exchange funds
* Gifting strategies
* When simply selling may actually be the best financial decision

If you’ve accumulated significant wealth in a single stock position, this video will help you better understand the planning opportunities available before making your next move.

▶️ Watch the full video here: https://youtu.be/WFL8CNHVoCM?is=4PpdmtruWuz4YGBM

If you've built a large position in a single stock, you've probably...

07/16/2026

Did you know that there is a 0% long term capital gains bracket?

In 2026, a married couple could potentially realize $148,400 of capital gains and pay no taxes.

Check out our full episode of Cup of Bull to learn how.

07/15/2026

Congratulations to our Director of Planning, Michael Dunham, CFP®, for being named #130 on the AdvisorHub Advisors to Watch list.

07/15/2026

A Roth conversion allows you to move money from a traditional IRA or 401(k) into a Roth IRA. While you'll pay income taxes on the amount converted today, future qualified withdrawals can be completely tax-free.

The key isn't whether Roth conversions are good or bad—it's whether they make sense for your tax situation. Converting during lower-income years may help reduce future Required Minimum Distributions (RMDs), create more tax-free retirement income, and potentially lower lifetime taxes.

07/12/2026

Did you know a married retired couple in 2026 could legally realize $148,400 of income while paying $0 in federal income taxes.

But here's the catch...

While paying no taxes sounds great, it may actually be one of the biggest tax mistakes retirees can make.

In the latest episode of Cup of Bull we break down why it may make sense to intentionally pay taxes even if you don’t have to.

This retirement tax planning case study shows how a married retired...

07/08/2026

Did you know you may be able to donate directly from your IRA and reduce your taxable income?

A Qualified Charitable Distribution (QCD) allows eligible IRA owners to give directly to qualified charities while potentially satisfying Required Minimum Distributions (RMDs) without increasing taxable income.

07/07/2026

Did you know you may be able to contribute up to $80,000+ to your 401(k) this year? For high-income earners and business owners, the Mega Backdoor Roth 401(k) is one of the most powerful retirement savings and tax-planning strategies available—but many people don't know it exists.

In this episode of Cup of Bull, Michael Dunham explains how the Mega Backdoor Roth strategy works, who qualifies, and how you may be able to build significantly more tax-free retirement wealth.

Did you know you may be able to contribute up to $80,000+ to your 4...

07/04/2026

Happy Fourth of July from Fontana Financial Planning. 🇺🇸

06/27/2026

Major tax changes are here, and they could affect how you give to charity while reducing your tax bill.

In this video, we break down:
✅ New charitable giving rules under the One Big Beautiful Bill
✅ Qualified Charitable Distributions (QCDs)
✅ Donor-Advised Funds (DAFs)
✅ Smart strategies to maximize your impact and tax savings
✅ Common mistakes to avoid before year-end

Whether you’re retired, nearing retirement, or simply want to give more efficiently, these updates are worth understanding.

🎥 Watch here:

The charitable giving landscape is changing in 2026.The One Big B...