Meet The Writer 


    Taylor Ledbetter

    taylor new headshot

    Wealth Advisor, Paraplanner

    "I wanted to create this blog to help walk you through the most important decisions and plans you'll make in your lifetime and for generations to come."

    Taylor joined the Jessup Wealth Management team in July 2020 as a financial planning intern. In 2021, she graduated from Wright State University with a double Bachelor’s Degree in Financial Services and Accounting. Taylor also has an Associate’s Degree in Business Administration from Sinclair Community College. While at Wright State, Taylor was directly involved in Wright State’s Finance Club, serving as one of the board members. Taylor and a few other board members held fundraisers to take a class trip to New York. While there, she experienced the New York Stock Exchange, Bloomberg, Market Axess, and other financial institutions. Before working at Jessup, Taylor held a seasonal tax internship for the 2020 tax season. Taylor currently resides in Beavercreek, Ohio, with her boyfriend, Andrew. She enjoys spending time outdoors, traveling, lifting, and hanging out with family and friends.

    Q&A with Taylor Ledbetter

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    March 18, 2024 - Backdoor Roth IRA Conversions

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    "Funding a Roth IRA is the best way to minimize your tax burden and create tax-free income in retirement. However, investors with high incomes are not allowed to..."


    February 13, 2024 - Can You Collect Social Security If You're Still Working?

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    "If you are nearing retirement age, you are probably wondering when the best time is to take Social Security. The earliest you can take your Social Security benefit is age 62..."


    January 16, 2024 - Irrevocable Life Insurance Trusts (ILITS)

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    "Some significant changes regarding estate planning laws are coming at the end of next year. The federal lifetime estate and gift tax exemption will sunset after 2025. The exemption is currently sitting at..."


    December 12, 2023 - Financial Changes You Should Consider In 2024

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    "As a new year approaches, you may reflect on 2023 and what changes you want to make in 2024. These changes may include living a healthier lifestyle or learning a new skill or hobby. While these are great goals..."


    November 13, 2023 - What Should I Do with Company Stock in a 401K?

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    "When you retire from a job that includes a 401(k) plan, it is common to roll over that balance into a Traditional IRA. This allows continuation of tax deferral until you begin taking distributions. But if your 401(k) includes publicly held stock in the company you’re leaving, you shouldn’t automatically roll these assets over to an IRA. It may make more sense to..."


    October 5, 2023 - RMD's & QCD's

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    "A required minimum distribution (RMD) is the minimum amount of money you must withdraw from pre-tax retirement accounts once you reach a certain age. In 2023, the age at which you must begin taking RMDs was raised to age 73. The year you turn 73 ..."


    September 19, 2023 - Five Important IRA Rules You May Be Unaware Of

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    "One of the most common vehicles used for saving for retirement is a Traditional IRA and a Roth IRA. These accounts are great due to the tax-advantaged components and are not employer-sponsored. Which means virtually anyone with earned income can ..."


    August 14, 2023 - Social Security Spousal Benefits

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    "If you have ever been married, you may be eligible to apply for what’s called a “Spousal Social Security” benefit. This can provide major financial support for married couples, but there are certain eligibility requirements that must first be met. The determining factors include..."


    July 17, 2023 - 401(k) Loans

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    "If you are an individual who has considered taking a loan from your 401(k), it’s essential that you understand how these loans work and the potential consequences that may come with it. This significant decision can impact your ability to save for your future retirement..."


    June 26, 2023 - 10-Year RMD Rule for Inherited IRAs

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    "If you have ever inherited an IRA or other tax-deferred retirement account, you may be familiar with the 10-Year RMD rule. If you are a beneficiary but have yet to inherit a tax-deferred retirement account, then it is essential that you familiarize yourself with this rule..."


    May 15, 2023 - 72(t) Distributions

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    "If you own a retirement account, you are probably familiar with the early withdrawal penalty. This rule states that if funds are withdrawn from a retirement account before age 59 ½, there is a 10% penalty. This applies to IRA accounts and other tax-advantaged retirement accounts like a 401(k) and 403(b). If you are trying to retire early and need access to your accounts for income, there are a few exceptions to avoid this penalty...."


    April 4, 2023 - The Importance of Having More Than One Retirement Account

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    "Most of your retirement savings will likely come from an employer-sponsored plan, such as a 401(k) or a 403(b). These are great savings plans for retirement because normally an employer will also match your contributions. However...."


    March 13, 2023 - Determining Cost Basis of Inherited Property

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    "If you have long term investments, you may have large, embedded gains that can cause a pretty high tax bill. Even though you cannot escape paying taxes on these gains, your heirs may avoid tax liability when they inherit certain assets. This gives your heirs a huge tax advantage..."


    February 15, 2023 - Term Life Insurance vs Whole Life Insurance

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    "The two most common types of life insurance are term and whole life. Term insurance is the simplest and cheapest form of coverage. Whereas whole life is more expensive and complex because it offers additional features that term does not have..."


    January 13, 2023 - Tax-Loss Harvesting

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    "Tax-loss harvesting is a strategy that can help preserve portfolio value while also reducing the cost of capital gains taxes. If you have capital losses for the year that exceed capital gains, you can deduct up to $3,000 in net losses from your total annual income. However, you cannot..."


    December 15, 2022 - Kiddie Tax

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    "The Kiddie Tax is a tax that a minor has to pay on unearned income including investment income or other types of income. The Kiddie Tax was created in 1986 to prevent parents from transferring income-producing assets into a child’s name to take advantage of the child’s lower tax rate. Prior to 1986, parents could shelter their investment income from..."


    November 7, 2022 - Different Types of Charitable Trusts

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    "A charitable trust can play a very important role in estate planning. These types of trusts provide gift and estate tax benefits that are unavailable through other kinds of trusts. Income benefits are normally split up between a non-charitable beneficiary and a charitable beneficiary. This is also known as a split-interest trust. The three most common types of charitable trusts are..."


    October 6, 2022 - Personal Financial Rations

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    "If you want to evaluate your personal financial position, you can use financial ratios to assess your financial health. They can show you a snapshot of your financial well-being using different values concerning your money..."


    September 3, 2022 - Employee Stock Options

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    "Employers use stock options to compensate, retain, and attract employees. Stock options allow employees to buy shares of the company’s stock at a certain price for a given period of time. This is a way for employees to participate in the potential growth of..."