0% Capital Gains Strategy • Understanding Separate, Marital, and Community Property in Marriage • Donor Advised Funds

This episode of the Planned Solutions Incorporated Podcast explores three important financial planning topics:0% Capital Gains Tax Bracket: In 2026, the 0% capital gains threshold is $49,450 for single filers and $98,900 for married couples filing jointly. Retirees may be able to realize gains tax-free, but Roth conversions, tax-loss harvesting, and Medicare premium considerations can compete for the same tax space. Annual planning can help determine the best strategy. Marriage & Property Ownership: Marriage does not automatically make all assets jointly owned. Property may be classified as marital/community or separate property depending on state law, with prenuptial and postnuptial agreements helping clarify ownership.Donor Advised Funds: DAFs allow individuals to contribute cash or investments, receive an eligible tax deduction, and recommend charitable grants over time. Contributions can grow tax-free, but donations are permanent and irrevocable.Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -We are now taking registrations for our annual charity golf tournament. The deadline to register is Monday, September 28th, 2026. Giveaways for the tournament are being delivered daily, and we are gathering donations for the silent auction. We hope you will be able to attend (either golf or the reception) or donate to a cancer charity to support our efforts.The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf TournamentDate: Friday, October 9th, 2026Location: Rancho Murieta Country Club – North Course 7000 Alameda DriveRancho Murieta, CA 95683Time: 1:00pm shotgun start, 5:30pm receptionAll profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the reception.To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠[email protected]⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com