Search found 7707 matches

by tfb
Fri Jan 12, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 153
Views: 17260

Re: QUESTIONS ABOUT MOVING FROM ONLINE TO CD

So if I decide to make the transition, can I use the current version of the CD/download version and yet import my data from the prior online data that is saved up in the TurboTax online account? Instructions from Intuit: How do I switch from TurboTax Online to the TurboTax software? Also in additio...
by tfb
Fri Jan 12, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth: Conversion or Rollover?
Replies: 15
Views: 869

Re: Mega Backdoor Roth: Conversion or Rollover?

Thanks for the replies tfb, appreciate the help However I'm confused by your response to #3 because that was the one I was most certain about. Everything I have read has stated that the principal of a tIRA to rIRA conversion (i.e. backdoor roth conversion) is subject to a 10% withdraw penalty with ...
by tfb
Fri Jan 12, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth: Conversion or Rollover?
Replies: 15
Views: 869

Re: Mega Backdoor Roth: Conversion or Rollover?

Pretty good writeup but I have to admit I'm still a bit confused, maybe partly because it doesn't discussed backdoor roth in parallel to the mega backdoor. Is the following correct? 1. Direct contributions to rIRA (non backdoor): never any penalty 1b. Earnings on direct contributions to rIRA (non b...
by tfb
Thu Jan 11, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Select account Preimeraccount not FDIC covered
Replies: 8
Views: 361

Re: Select account Preimeraccount not FDIC covered

I could have worded that better. I checked their website before reporting that. Instead of "It is a Credit Union so it is covered by NCUA which is just as good as FDIC." I should have said; "It is a Credit Union covered by NCUA which is just as good as FDIC." It's not a credit union. Select Account...
by tfb
Thu Jan 11, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth: Conversion or Rollover?
Replies: 15
Views: 869

Re: Mega Backdoor Roth: Conversion or Rollover?

Tried searching for this but couldn't find. People frequently use the terminology of "rollover" and "conversion" interchangeably when it comes to Mega Backdoor Roth. However, is the move from 401K after tax to rIRA a rollover or conversion? I ask because my understanding is a conversion to rIRA req...
by tfb
Tue Jan 02, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 50
Views: 4425

Re: Using Vanguard’s advisors

Taylor Larimore wrote:
Tue Jan 02, 2018 3:03 pm
I wrote a number of FAQs on how this works, including the latest on how it compares with Vanguard PAS. I will PM you the link.
tfb:

I hope you will post the link here.

Happy New Year!

Taylor
Happy New Year to you too, Taylor! The FAQs: https://adviceonlyfinancial.com/sections/faqs
by tfb
Tue Jan 02, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 50
Views: 4425

Re: Using Vanguard’s advisors

I only looked casually today, but the bogleheads' wiki does not seem to have a good page on "How to Select the Right Financial Advisor (or Not)" that would be quite helpful. Now I know that tfb does have a service to help folks with this, so may I ask tfb if that is actually working out from client...
by tfb
Mon Jan 01, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 50
Views: 4425

Re: Using Vanguard’s advisors

I think the AA and “not letting you harm yourself in a downtown”stuff might be worth 30bps, but for anyone with any sizeabke taxable assets “tax advice” matters. A lot. Perhaps even the 70bps which separate them from a more typical RIA fee. Worth and how much you should pay are not the same. Eating...
by tfb
Thu Dec 28, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC quotes IRS on terms of deductibility of prepaid property taxes
Replies: 79
Views: 5541

Re: IRS clarifies 2018 property tax prepayment

Exactly when do I become liable for the 8/1/18 payment? a) The December 2017 assessment when the amount of that payment is determined exactly b) The June 2018 billing which puts that value on a piece of paper and mails it to me c) The December 2018 assessment which determines the fiscal year tax ra...
by tfb
Thu Dec 28, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC quotes IRS on terms of deductibility of prepaid property taxes
Replies: 79
Views: 5541

Re: IRS clarifies 2018 property tax prepayment

Exactly when do I become liable for the 8/1/18 payment? a) The December 2017 assessment when the amount of that payment is determined exactly b) The June 2018 billing which puts that value on a piece of paper and mails it to me c) The December 2018 assessment which determines the fiscal year tax ra...
by tfb
Thu Dec 28, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC quotes IRS on terms of deductibility of prepaid property taxes
Replies: 79
Views: 5541

Re: IRS clarifies 2018 property tax prepayment

My current tax bill contains the full amount of the Dec 2017 assessment. It invoices the Q3 (2/1/18) and Q4 (5/1/18) due dates which is equal to the total December 2017 assessment minus the 8/1/17 and 11/1/17 payments which were based on last year's assessment, and determines to the penny, the exac...
by tfb
Thu Dec 28, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: CNBC quotes IRS on terms of deductibility of prepaid property taxes
Replies: 79
Views: 5541

Re: IRS clarifies 2018 property tax prepayment

So if Buffetologist has a tax bill in hand, pays that bill prior to Jan 1 and his/her township accepts the payment as settlement of the tax liability and not a deposit, I think this fits the IRS guidance and should be deductible. After all, how is this taxpayer not liable for the tax imposed? The f...
by tfb
Thu Dec 28, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: CNBC quotes IRS on terms of deductibility of prepaid property taxes
Replies: 79
Views: 5541

Re: IRS clarifies 2018 property tax prepayment

So if Buffetologist has a tax bill in hand, pays that bill prior to Jan 1 and his/her township accepts the payment as settlement of the tax liability and not a deposit, I think this fits the IRS guidance and should be deductible. After all, how is this taxpayer not liable for the tax imposed? The f...
by tfb
Wed Dec 27, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC quotes IRS on terms of deductibility of prepaid property taxes
Replies: 79
Views: 5541

Re: IRS clarifies 2018 property tax prepayment

The rate isn't set until December 2018. The town collects preliminary bills for 8/1 and 11/1 which are just the previous year's tax divided by 4. They make it up in Q3 (2/1/19) and Q4 (5/1/19) once the December 2018 assessment is done. In other words, the town knows today exactly what the 8/1/18 an...
by tfb
Wed Dec 27, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs. Download
Replies: 34
Views: 2446

Re: Turbotax Online vs. Download

So, I've put a lot of numbers (some of which are estimates) into the online program (to do Roth conversion modeling), and my impression is that it's a better designed, smoother program. I'm not doing a side-by-side comparison, but I'm remembering my past experiences with TT downloads in past years....
by tfb
Mon Dec 25, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48522

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Munir wrote:
Mon Dec 25, 2017 10:59 am
Is it correct that you can deduct tax-preparation fees for 2018 if you prepay them in 2017?
I don't think so. No service has been rendered. No expense has been incurred.
by tfb
Mon Dec 25, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 118
Views: 11463

Re: Confusion about prepaying property taxes

For the New Yorkers Announcement from : https://www.tax.ny.gov Governor Andrew M. Cuomo has signed an emergency Executive Order that will allow New Yorkers to prepay next year’s property taxes this year, before the new tax law takes effect. Payments must be postmarked on or before December 31, 2017...
by tfb
Sun Dec 24, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 118
Views: 11463

Re: Confusion about prepaying property taxes

I think if the assessment was made AND the mill rate was set, you have a valid case for paying and taking the deduction. My house gets re-assessed every five years but of course the mill rate gets set every year. I doubt I could make a case for paying 5 years in advance (assuming they would even ta...
by tfb
Sun Dec 03, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: For a single person if I stay under $48,240 or FPL of 400% would it be ok to sell some gains to move them to an index
Replies: 10
Views: 1047

Re: For a single person if I stay under $48,240 or FPL of 400% would it be ok to sell some gains to move them to an inde

rec7 wrote:
Sun Dec 03, 2017 1:04 pm
If I went over FPL of 400% what would happen? What is the difference between an income of $48240 and $49000
Your ACA subsidy falls off a cliff and drops to zero. It slides down a slope as your income goes up toward 400% FPL. Once you go over, it abruptly becomes zero.
by tfb
Sun Dec 03, 2017 2:10 am
Forum: Personal Finance (Not Investing)
Topic: For a single person if I stay under $48,240 or FPL of 400% would it be ok to sell some gains to move them to an index
Replies: 10
Views: 1047

Re: For a single person if I stay under $48,240 or FPL of 400% would it be ok to sell some gains to move them to an inde

rec7 wrote:
Sat Dec 02, 2017 11:31 am
don't want to pay to much taxes or lose ACA
You won't lose the subsidy completely but as your income goes up toward 400% FPL your subsidy will be reduced by 10-15% for each dollar of income.
by tfb
Sat Dec 02, 2017 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Yubikey questions
Replies: 17
Views: 1741

Re: Fidelity Yubikey questions

I saw that Yubikeys support Symantec VIP which I assume means they can be used to log into Fidelity. Yubico used to offer a product to the general public that included a Symantec VIP id. The current retail Yubikeys don't have it any more. They only offer custom keys to institutions who distribute t...
by tfb
Tue Nov 28, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 136
Views: 20012

Re: How many Bogleheads have investment assets that exceed their cumulative lifetime earned income?

Where can you calculate lifetime earning adjusted for inflation? I use the index values from Social Security for calculating benefits. See page two of this pdf: https://www.ssa.gov/pubs/EN-05-10070.pdf I've recorded all of my SS wages in a spreadsheet by year, and periodically update the index valu...
by tfb
Sat Nov 25, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 5027

Re: if you could use only 1 investment firm...

Fidelity, especially when you have a taxable account. I can deal with which funds I invest in and which services I don't sign up for but I have no control over any firm's computer system. I have no interest in working as unpaid QA to double check all the statements, confirmations, and tax forms. I e...
by tfb
Wed Nov 22, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is a solo-401k worth it?
Replies: 13
Views: 1498

Re: Is a solo-401k worth it?

I would like to try the solo-401k, so that I have a place to roll 401K's without jeopardizing future backdoor roths. but I'm worried I will create a tax headache for years to come. I think I'm going to call ascension, the company TFB used, and see if they can walk me through it. At the level of you...
by tfb
Sun Nov 19, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Employer offering HDHP but no HSA!
Replies: 3
Views: 455

Re: Employer offering HDHP but no HSA!

My employer is currently offering a High Deductible Health Plan (HDHP) as a choice for the company's medical insurance but oddly enough, unlike my previous employer, does not offer any HSA plans to go along with it... :annoyed ...I thought HDHP and HSA usually go hand in hand! It's a sign the plan ...
by tfb
Fri Nov 17, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Why did Vanguard drop TurboTax?
Replies: 16
Views: 3275

Re: Why did Vanguard drop TurboTax?

Vanguard dropped its discounts several years ago Vanguard didn't drop TurboTax discounts. TurboTax is still featured on Vanguard's website. No other tax software vendor receives the same treatment. This likely means Vanguard receives revenue for marketing TurboTax. https://investor.vanguard.com/tax...
by tfb
Fri Nov 17, 2017 2:30 am
Forum: Investing - Theory, News & General
Topic: annualized TLH data from Wealthfront
Replies: 7
Views: 1097

Re: annualized TLH data from Wealthfront

TLH benefits from a higher ratio of new money to old money. In another10 years the number for the 2012 cohort will drop dramatically.
by tfb
Mon Nov 13, 2017 2:41 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth question about procedure and timeline sequence
Replies: 5
Views: 628

Re: Backdoor Roth question about procedure and timeline sequence

We plan to move the Rollover IRA(s) to our respective company 401(k) by year end after we get the YE dividend and other distributions from Vanguard. There is no point in waiting. It only makes things more complicated. Start moving now. You will get the dividends and distributions in the 401k plan.
by tfb
Fri Nov 10, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor questions
Replies: 54
Views: 3439

Re: Mega Backdoor questions

2bdbest wrote:
Fri Nov 10, 2017 11:46 am
From the handbook plan description:

Contributions
Employees may make salary reduction contributions to the Plans on a pretax and/or after-tax basis.
This after-tax may be the Roth variety?
by tfb
Fri Nov 10, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 153
Views: 18652

Re: New HSA provider Lively offers investments for $30/yr fee

If you’ve got $40K in HSA funds, never planning to withdraw them until much later, and just want to invest once a year in a broad find like Total Stock Market, which account is the best? Saturna or Lively. I think Lively's customer service, more flexible investing options, and complete lack of pape...
by tfb
Fri Nov 10, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor questions
Replies: 54
Views: 3439

Re: Mega Backdoor questions

Pigeye Brewster wrote:
Thu Nov 09, 2017 10:49 pm
Your link says "Mega Backdoor Roth Without In-Service Distribution" but for some reason when I clicked on the link, it took me to an article titled "Mega Backdoor Roth and Access To Your Money Before 59-1/2" instead.
The correct link: Mega Backdoor Roth Without In-Service Distribution
by tfb
Tue Nov 07, 2017 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: [Can I do a Backdoor rollover?]
Replies: 4
Views: 583

Re: [Can I do a Backdoor rollover?]

Thanks!! I have confirmed that it was a re-characterized to Roth! I am good to go No so fast. If you weren't eligible to contribute to Roth because your income is too high, recharacterizing the contribution to Roth will make it an excess contribution, subject to 6% excise tax _each year_ until remo...
by tfb
Tue Nov 07, 2017 12:51 am
Forum: Personal Consumer Issues
Topic: Considering buying a new cell phone- ideas?
Replies: 35
Views: 4643

Re: Considering buying a new cell phone- ideas?

The XCharge has a major advantage over the other phones since if you drop it in the toilet or break it or your battery dies you won't be miserable about having to replace it. That gives it an edge both from a financial and a psychological perspective. I'm using my $1 X Charge. It works just fine. I...
by tfb
Mon Nov 06, 2017 3:36 am
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 13587

Re: Why make more money?

Lets just assume that you are healthy and financially OK. You have have 30x expenses in investments plus whatever socials security will eventually give you in some distant future. You have no debt and the kids college is covered. You don't live extravagantly, but you have enough to travel, eat out,...
by tfb
Sun Nov 05, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing For "Early Retirement" In A Couple of Years
Replies: 77
Views: 8051

Re: Preparing For "Early Retirement" In A Couple of Years

Tell everyone you've retired but then both of you can take on some side jobs to cover most of your living expenses. This. All the early retirees we hear about have a blog. With most of the living expenses covered by the side jobs, you can comfortably live on your $25k/year budget. $25K / year seems...
by tfb
Sun Nov 05, 2017 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing For "Early Retirement" In A Couple of Years
Replies: 77
Views: 8051

Re: Preparing For "Early Retirement" In A Couple of Years

stan1 wrote:
Sat Nov 04, 2017 9:55 pm
Tell everyone you've retired but then both of you can take on some side jobs to cover most of your living expenses.
This. All the early retirees we hear about have a blog. With most of the living expenses covered by the side jobs, you can comfortably live on your $25k/year budget.
by tfb
Sat Nov 04, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: "Re-Recharacterize" Traditional to Roth
Replies: 12
Views: 764

Re: "Re-Recharacterize" Traditional to Roth

Earlier this year, in my eagerness to perform my first backdoor Roth, I made a non-deductible contribution to a traditional IRA in my Schwab account. I then converted that to a Roth IRA. Subsequently, I came across the pro-rata rules and realized I needed to recharacterize the Roth back to a tradit...
by tfb
Thu Nov 02, 2017 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard didn't rob me.
Replies: 12
Views: 1753

Re: Did Vanguard rob me of $150,000+, or no?

How did Vanguard sell without any action from you? Frontier Communications Corporation (NASDAQ:FTR) today announced the completion of its 1-for-15 reverse stock split of the issued shares of common stock, which became effective as of the beginning of trading today. http://investor.frontier.com/relea...
by tfb
Tue Oct 31, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: TFB article on after-tax contributions to 401a/403b
Replies: 6
Views: 402

Re: TFB article on after-tax contributions to 401a/457

FrugalProfessor wrote:
Tue Oct 31, 2017 10:48 am
Thanks for catching the mistake TFB. Sorry to misquote. I have updated the original post accordingly.
Still not quite right because you left 457 there.
by tfb
Tue Oct 31, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: TFB article on after-tax contributions to 401a/403b
Replies: 6
Views: 402

Re: TFB article on after-tax contributions to 403b/457

I read the following TFB article on after-tax contributions to a 403b/457 this morning: https://thefinancebuff.com/401a-plan-contribution-limit.html. He states that some employers allow for the elusive after-tax contributions to 403b/457 plans, which opens the door for contributions up to the $54k/...
by tfb
Mon Oct 30, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Help with 2018 HSA contribution limit (child turns 26 in December 2018)
Replies: 8
Views: 733

Re: Help with 2018 HSA contribution limit (child turns 26 in December 2018)

Coverage is determined on the 1st of each month. Covering yourself and your daughter from Jan. 1 to Dec. 1 inclusive means you have family coverage for all 12 months.
by tfb
Mon Oct 30, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k - go with Vanguard or someone else
Replies: 51
Views: 5966

Re: Solo 401k - go with Vanguard or someone else

The Plan Administrator isn't able to operate the plan as written in the plan document and the adoption agreement when the provider's allowed features and policies inhibit them. The Plan Administrator (i.e. the employer) should complain to the authorities. You have been restating your position on th...
by tfb
Sun Oct 29, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k - go with Vanguard or someone else
Replies: 51
Views: 5966

Re: Solo 401k - go with Vanguard or someone else

The one-participant 401k providers (Vanguard, Fidelity, TD Amerireadee, etc.) use their IRS approved Master and Prototype (M&P) plan document for both standard 401k plans and one-participant 401k plans. They then have different adoption agreements , allowed features and policies for one-participant...
by tfb
Sat Oct 28, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: Do Investors really underperform their investments
Replies: 45
Views: 4075

Re: Do Investors really underperform their investments

It's mentioned in Pfau's article, but let's remember that it was Bogleheads member tfb (Harry Sit - The Finance Buff) who first explored the problems with Dalbar's calculations and conclusions. As much as I'd like to take the credit, the problem Wade Pfau found more recently was much bigger than th...
by tfb
Sat Oct 28, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 19831

Re: Early-retired 35 year old with $1 million

JW-Retired wrote:
Sat Oct 28, 2017 10:06 am
A) Realize long term capital gains until I fill up the 15% tax bracket? Sure, costs you nothing.
Realizing capital gains adds to the AGI, which reduces ACA premium tax credit. It effectively serves as a ~15% tax before 300% FPL and ~10% between 300% and 400% FPL.
by tfb
Thu Oct 26, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Question regarding 401(k) catch-up contributions and employer match
Replies: 29
Views: 1686

Re: Question regarding 401(k) catch-up contributions and employer match

In other words, the ability to contribute a portion for regular, and a portion for catch-up, out of each paycheck. It sounds like that's the way it will work, despite the communication challenges. The hangup came from the word "after" as in "catch-up only after you max out regular." After is by dol...
by tfb
Sat Oct 21, 2017 10:47 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 511
Views: 51281

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Low volume shouldn't really impact bid/ask spreads in broad market ETFs much (a quick look at the bid/ask spread on SPEM and VWO compared to the volume should demonstrate that to you). The reason is because the ability for certain participants to create/destroy units using the underlying holdings a...
by tfb
Wed Oct 18, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 511
Views: 51281

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

One thing i am considering is moving everything to Vanguard, most to an IRA account, and just eat the extra 10bp on their investor class mutual funds for solo 401k throughout the year, and roll it into IRA periodically, so the bulk will always be in the ETF or Admiral shares in IRA. 10pts on 18k of...
by tfb
Wed Oct 18, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: "Advice-Only In Action: An Interview With Allan Roth"
Replies: 6
Views: 1077

Re: "Advice-Only In Action: An Interview With Allan Roth"

Bogleheads: Many of us need help with our investments. Unfortunately, most advisors charge a conflict -of-interest commission or a yearly fee for assets under management (AUM) which can also result in a conflict-of-interest. One example: AUM advisors benefit by recommending a mortgage which gives t...
by tfb
Mon Oct 16, 2017 1:34 am
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidies / HSA accounts / advance premium subsidies / Questions
Replies: 19
Views: 2140

Re: ACA Subsidies / HSA accounts / advance premium subsidies / Questions

It looks like going forward to be able to contribute the full $6900 into this single account we'd need to purchase a family plan as two individual plans don't qualify for the combined contribution into a single owner account. That being said, I have 3 choices in state, individual plan, couple, or f...