Carlson Capital Management

Integrated Wealth Management

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Tax Milestones Through the Years

Kevin Koski
Kevin Koski, CPA

Principal Tax Advisor
651.319.8067
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Professional Biography
Kevin Koski serves as Principal Tax Advisor at Carlson Capital Management and with CCM Tax & Trust Administration, a wholly-owned affiliate of Carlson Capital Management. Kevin works closely with the advisory team to deliver clients fully integrated wealth management services, lending his experience to proactive tax-related planning. As a senior member of the Tax Team, Kevin plays a lead role and helps to oversee the preparation, review, and completion of individual and trust tax returns and tax projections. Kevin participates in client meetings and serves as a tax resource for clients, both individually and collaboratively with other advisors, to develop customized recommendations.

Kevin came to CCM with strong expertise having worked with clients at a St. Paul CPA firm for 15 years. In his role there, Kevin provided leadership and direction for the firm’s tax services practice, and advised clients on income and estate tax matters. Kevin was also an advisor on general financial planning topics such as stock option analysis, charitable planning, and gifting strategies for high-net-worth individuals and families. Kevin is a member of the American Institute of Certified Public Accountants and the Minnesota Society of CPAs.

Kevin grew up in Virginia, Minnesota and is a graduate of the University of Minnesota-Duluth, where he earned his bachelor’s degree in accounting. Shortly following graduation, Kevin earned his Certified Public Accountant (CPA) status. Outside of work, Kevin has three children and enjoys volunteering as a coach and assistant with their athletic teams. Kevin and his family reside in South Minneapolis.

Kevin and other members of the CCM Tax Team regularly post articles of interest on tax planning topics which you can find here.

Kevin Koski
Kevin Koski, CPA
Principal Tax Advisor

Your birthday this year could mark an important tax and financial planning milestone. Following are opportunities and considerations as we move into 2022.

Age 50 » Catch-up contributions of up to $6,500 can be made to your employer-sponsored retirement plan, such as a 401(k), or up to $1,000 to a Traditional or Roth IRA. You can make the full catch-up contribution if you reach age 50 at any point in 2022.

Age 55 » You can make a catch-up contribution of up to $1,000 to your Health Savings Account (HSA).

Age 55 » You can access an employer retirement plan account without a 10% early distribution penalty upon separation of service from that employer. To qualify for the penalty exception, the money must stay in the employer plan and can’t be rolled over to an Individual Retirement Account (IRA).

Age 59.5 » You now have access to employer retirement plan accounts or IRA accounts without a 10% penalty. Some employer plan rules may still disallow an in-service distribution if you are still employed.

Age 62 » Social Security benefits can be collected at the earliest possible date, but at a 30% reduction as compared to your full retirement age (FRA) benefit amount.

Age 65 » Enrollment for Medicare benefits begins. Enrolling late can incur a permanent enrollment penalty.

Age 66–67 » You can access your full retirement age Social Security benefits.

Age 70 » You can collect your maximum Social Security benefit. The benefit increases by 8% for each year that you wait past your full retirement age. Waiting past age 70 does not provide any additional benefit.

Age 70.5 » Charitable contributions of up to $100,000 each year can be made directly from your IRA account as a Qualified Charitable Distribution (QCD).

Age 72 » Required minimum distributions (RMDs) from your employer retirement plan and IRA accounts commence. An RMD will be required each year.

If you have any questions about what we’ve shared above or you’d like more information about how your tax situation might change this year, please contact us.


NOTE: The information provided in this article is intended for clients of Carlson Capital Management. We recommend that individuals consult with a professional adviser familiar with their particular situation for advice concerning specific investment, accounting, tax, and legal matters before taking any action.

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Published January 24, 2022 Topics: Tax Planning

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