Deborah Ann Fox, CPA

10/20/2026

“Bracket” is the popular term for what an economist would call a marginal rate. It’s the incremental tax on a financial move. You are thinking about moving $10,000 from a pretax retirement account to an aftertax one, or cashing in a stock with a $10,000 gain or donating $10,000 to a charity. What does that do to your tax bill?
A rate table, such as the one shown below, doesn’t do justice to the question. The tax code is so full of phase-outs, phase-ins, claw-backs, surtaxes and other gotchas that the table gives only a hint." - Forbes

Marginal tax rates drive choices about investment portfolios, Roth accounts, side gigs and charitable donations. Here’s how to calculate yours before you make any end-of -year moves.
Read more: https://www.forbes.com/sites/baldwin/2026/10/16/whats-your-true-tax-bracket-the-answer-might-shock-you/?utm_source=ForbesMainFacebook&utm_medium=social&utm_campaign=ForbesMainFB
Illustration: Fernando Capeto for Forbes via Google Gemini

10/17/2026

CPA in TX and FL. Tax focused. Saves Money.
Birth to Grave and Beyond (post- death). Beneficiaries.
Widows. Adult Children wanting to learn to help their parents as they age. Want/need to learn to understand.
What to do when someone dies and before. Teach.
The need for Financial Education is everywhere.
Imagine, if we all understood.

The need for Financial Education is everywhere.

Imagine, if we all understood.

10/17/2026

A little less than 4 years ago, I shared this graphic and said "This makes me want to put on my traveling shoes." Sharing again because I love being reminded of this Aunt Martha Swales Sulkowski quote "Travel to our house." It was a smile maker then and now.

This makes me want to put on my traveling shoes

10/15/2026

Sharing a The New York Times article, Lessons from a New Widow on the Life after, because I am a Financial Education Advocate and want to help others look inside the cookie jar before something happens so they can plan for it which is better than being blind-sided financially after a loved one dies.

"One of the first things every new widow must do is to get control of her money. A call to our financial adviser produced distressing news. Andrew’s generous annuity-based pension had, apparently, died with him. Because of his age, he’d long ago outlived any survivor’s benefit for me.

Adding insult to injury, the April pension payment to Andrew was now invalid and would be clawed back from our checking account.

A phone call to the Social Security Administration produced an additional shock. As long as Andrew lived, our household received two monthly checks. Now that I was a widow, I’d be getting only one, a bit more than half."

As people think about living longer, a New York Times writer reflects on the recent death of her husband and what helps life go on.

10/13/2026

Had a WooHoo Thank You God morning seeing the SpaceX Falcon 9 launch about 630 AM. Captured a series of photos Launch to Initial Jellyfish-like cloud. Beautiful Colors

10/11/2026

The taxgirl newsletter includes A to Z. The letter this time is G for Grantor Trust (read to learn)

"Grantor trust status doesn't necessarily last forever. A revocable grantor trust will typically stop being a grantor trust when the grantor dies. At that point, the trust may become a separate taxpayer and need its own taxpayer identification number and income return. The Trust files IRS Form 1041 for its taxes. An individual files Form 1040.

Tax season in Alaska, Medicare and ACA payments, Trump accounts, IRS phone waits, 529 plans, grantor trusts, and more tax news this week.

10/07/2026

"Accountants are still pound for pound the best investment a SMB owner can make... Even in the age of A.I " -


I support this statement and will add it applies to individuals and families too. education applies cradle to grave and beyond-your estate.
Learn as you go. Plan Ahead. Remember to include medicare too including .

10/06/2026

"UCF Professor of Accounting Jake Rose is one of a handful of researchers using artificial intelligence and neuroscience to transform business decision-making, benefiting companies worldwide". - Robert Stephens

"I’ve never viewed accounting as just credits and debits,” he says. “When you take a step back, you see business is about decision-making. Accounting provides the information needed for this decision-making, and that’s why neuro-accounting will eventually impact the entire global economy.” - UCF Professor Jake Rose

UCF Professor of Accounting Jake Rose is one of a handful of researchers using artificial intelligence and neuroscience to transform business decision-making, benefiting companies worldwide.