Ameriwealth Financial Group, LLC

Ameriwealth Financial Group, LLC We provide Insurance & financial planning Services for Individuals, Families, & Businesses Owners. These things won't just happen automatically. You must plan.

The key to achieving your long-term financial objectives is planning. Your goal may be to fund your children’s college education, to protect your family during your working years from the uncertainties, guarantee your own retirement security or provide your employees the suitable benefits. You need to know what you want to achieve and then map out a strategy that will help you achieve it. Planning

your financial future can be tough but the good news is that you don't have to do it alone. We can help you identify your financial goals and objectives, prioritize them, and to take action to achieve them. Don't hesitate to contact Karan Murugesu CFP®, ChFC® to help you fully analyze your needs and recommend appropriate solutions. In addition to being a Financial Adviser offering investment advisory services through Eagle Strategies LLC, A Registered Investment Adviser, Karan Murugesu is also licensed as an Agent with New York Life Insurance Company and a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, (Member FINRA/SIPC), A Licensed Insurance Agency. Eagle Strategies LLC and NYLIFE Securities LLC are New York Life Companies. 339 Princeton Hightstown Road, East Windsor, NJ 08512. (609) -469-0241

Any testimonial on this site is based on an individual’s experience and may not represent the experience of other customers. These testimonials are no guarantee of future performance or success. I am not licensed in all jurisdictions. Karan Murugesu’ s CA license # 0H30687. Neither Ameriwealth Financial Group nor New York Life Insurance Company, or its agents, provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. Ameriwealth Financial Group is not owned or operated by New York Life Insurance Company or its affiliates.

07/18/2026

Estate Planning Essentials with Adam D. Rubin, Esq., CPA | Host: Karan Murugesu, CFP®, ChFC®

Estate planning is about more than deciding who receives your assets after you're gone. It's about protecting your family, preserving your wishes, and ensuring the people you trust can make important decisions if you're unable to do so yourself.

In this episode of The Ameriwealth Show, Karan Murugesu welcomes Estate Planning Attorney and CPA Adam D. Rubin, Esq., for a comprehensive discussion on the fundamentals of estate planning. Together, they explore the differences between wills and trusts, the consequences of dying without a will, common estate planning mistakes, beneficiary designation planning, estate tax considerations, and the essential documents every family should have in place.

The conversation also addresses a frequently overlooked topic: estate tax planning for non-U.S. citizens, including H1B visa holders, H4 spouses, and permanent residents. Adam explains how estate tax rules differ for international professionals and why proactive planning is critical.

Listeners will walk away with practical action steps and a better understanding of how estate planning fits into a comprehensive financial plan.
Guest: Adam D. Rubin, Esq., CPA
Partner, Levine, Furman & Rubin
Key Topics Covered:
• Estate Planning Fundamentals
• Wills vs. Trusts
• Probate and Intestacy
• Incapacity Planning
• Beneficiary Designations
• Estate Tax Planning
• H1B and Non-Citizen Estate Tax Issues
• Essential Estate Planning Documents
• Choosing an Estate Planning Attorney

Listen now and learn how to protect the people you love and the assets you've worked hard to build.
Levine, Furman & Rubin, LLC is not affiliated with New York Life Insurance Company

The guest speakers appearing at this seminar are solely responsible for the content of their presentations which may not necessarily represent the opinions of New York Life Insurance Company or its subsidiaries.

07/17/2026

On our next episode …
Stay tuned

Wishing you an Independence Day full of celebration and tradition. Happy 4th of July!
07/04/2026

Wishing you an Independence Day full of celebration and tradition. Happy 4th of July!

06/20/2026

Set aside 15 minutes to create a basic inventory of your retirement accounts. Consider writing down:
• The type of account (e.g., IRA, Roth IRA, 401(k), 403(b), or 457)
• Whether the account is with a current or former employer
• Where the account is held
• Key ages that may affect retirement distributions, including age 59½ and your applicable Required Minimum Distribution (RMD) age under current law (generally age 73, increasing to 75 for some individuals) Age 70½ is relevant for Qualified Charitable Distributions (QCDs) and is separate from the age used to determine when RMDs must begin.

Having this information organized may help you better understand how different retirement accounts may be treated when distributions become necessary.

If you would like a structured format, you can download the worksheet available in the show notes for this episode on our website.

Watch the full Episode 5 of The Ameriwealth Show — link in bio

This content is for educational purposes only and should not be construed as financial advice for your specific situation. Please consult with your tax, legal, and financial professionals before making any decisions.

This Juneteenth, take time to honor history, celebrate progress and support one another.
06/19/2026

This Juneteenth, take time to honor history, celebrate progress and support one another.

06/18/2026

Many people accumulate retirement accounts from multiple employers over the course of their careers.

As a result, Required Minimum Distribution (RMD) rules can become more complicated when there are multiple accounts involved.

Under current IRS rules, Traditional IRAs may allow for RMD aggregation. In certain circumstances, an individual with multiple IRAs may calculate the required amount across all eligible IRAs and satisfy the requirement from one or more of those IRA accounts.

Employer-sponsored retirement plans, such as 401(k)s and 403(b)s, generally follow different rules. In many situations, RMD requirements must be satisfied separately for each plan.

Because RMD rules can vary based on account type, plan provisions, and individual circumstances, it is important to review your retirement accounts carefully and verify current requirements before taking distributions.

Watch the full Episode 5 of The Ameriwealth Show — link in bio
More clips and insights from this episode coming soon

This content is for educational purposes only and should not be construed as financial advice for your specific situation. Please consult with your tax, legal, and financial professionals before making any decisions.

06/16/2026

For individuals who are charitably inclined, a Qualified Charitable Distribution (QCD) may be worth understanding.

Under current law, individuals who are age 70½ or older may be able to direct funds from an eligible IRA directly to a qualified charity. When completed properly, the distribution may count toward satisfying all or part of a Required Minimum Distribution (RMD).

One important requirement is that the funds must generally be transferred directly from the IRA custodian to the qualified charitable organization. Personal checks or indirect transfers may not qualify for QCD treatment.

For 2026, the annual QCD limit is $111,000 per eligible individual. This limit is indexed for inflation and may be adjusted by the IRS in future years.

QCD rules can be technical and eligibility requirements apply. Before making a charitable distribution from an IRA, it is important to verify current IRS limits, confirm that the organization qualifies, and consult with your tax professional regarding your specific circumstances.

Watch the full Episode 5 of The Ameriwealth Show — link in bio
More clips and insights from this episode coming soon

This content is for educational purposes only and should not be construed as financial advice for your specific situation. Please consult with your tax, legal, and financial professionals before making any decisions.

06/13/2026

One strategy that is sometimes discussed in Required Minimum Distribution (RMD) planning is a Qualified Longevity Annuity Contract, commonly referred to as a QLAC.

A QLAC allows eligible funds from certain qualified retirement accounts to be used to purchase a qualifying annuity contract. Under current law, this may allow a portion of retirement assets to be excluded from RMD calculations until a later age, subject to IRS requirements and limitations.
QLACs are subject to contribution limits, eligibility requirements, and other rules that may change over time. For 2026, IRS limits and requirements should be reviewed before considering this type of strategy.

As with any retirement income or distribution decision, it is important to understand the tradeoffs, costs, restrictions, and tax implications before taking action.

Watch the full Episode 5 of The Ameriwealth Show — link in bio
More clips and insights from this episode coming soon

This content is for educational purposes only and should not be construed as financial advice for your specific situation. Please consult with your tax, legal, and financial professionals before making any decisions.

Qualified Longevity Annuity Contracts (QLACs) are subject to IRS rules, eligibility requirements, and contribution limits. Not all retirement accounts or individuals will qualify. Funds used to purchase a QLAC are generally illiquid and may be subject to restrictions.

06/11/2026

There is an important exception to Required Minimum Distribution (RMD) rules that some individuals may not be aware of.

Under current law, individuals who continue working may be able to delay RMDs from certain employer-sponsored retirement plans (such as a 401(k) or 403(b)) with their current employer, if the plan allows and applicable eligibility requirements are met. Not all plans offer this provision.

This exception generally does not apply to Traditional IRAs, SEP IRAs, or SIMPLE IRAs, which remain subject to RMD rules regardless of employment status.

In addition, special rules apply to business owners. Individuals who own more than 5% of a business generally are not eligible for the working exception and may still be required to take RMDs.

Because RMD rules are complex and depend on factors such as account type, employment status, ownership interest, and plan provisions, it is important to review how current regulations apply to your specific situation.

Watch the full Episode 5 of The Ameriwealth Show — link in bio
More clips and insights from this episode coming soon

This content is for educational purposes only and should not be construed as financial advice for your specific situation. Please consult with your tax, legal, and financial professionals before making any decisions.

06/06/2026

Roth conversions have their own timing rules that are important to understand.

In general, each Roth conversion carries its own separate five-year holding period for penalty purposes.

If converted funds are withdrawn within five years of the conversion and the account owner is under age 59½, the distribution may be subject to income taxes and/or a 10% penalty early withdrawal penalty, depending on the circumstances.

This rule is separate from the five-year rules that may apply to Roth earnings and qualified distributions, which is why Roth withdrawal planning can become more detailed than many people expect.

Understanding how these timelines work can help provide greater clarity when evaluating Roth conversion and distribution strategies.

Watch the full Episode 5 of The Ameriwealth Talk Show — link in bio

More clips and insights from this episode coming soon

This content is for educational purposes only and should not be construed as financial advice for your specific situation. Please consult with your tax, legal, and financial professionals before making any decisions.

Address

339 Princeton Hightswown Road
East Windsor, NJ
08512

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+16094690241

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