Are you unsure whether you need an EIN (Employer Identification Number) for your small business? Ralph addresses this common confusion, particularly for those starting out as sole proprietors. He explains that while having a…
Are you feeling overwhelmed about how to finance your child's college education? Ralph breaks down the two types of 529 plans—traditional college savings plans and prepaid tuition plans—providing clarity on how each can effe…
Are you concerned about the potential impact of a wealth tax on your savings and financial future? Ralph dives deep into the complexities of this contentious issue, explaining how a wealth tax could adversely affect not just…
Are you worried about losing your passport due to unpaid taxes? This episode dives into the serious concern many face when financial obligations clash with their travel dreams. Host Ralph Estep Jr. addresses a listener's que…
Are you feeling trapped in your job and dreaming of an early retirement? The rule of 55 might just be your ticket to accessing your 401(k) funds without penalties before reaching 59 and a half. Ralph dives deep into this lit…
Are you considering a move to a no-income-tax state, dreaming it will solve all your financial problems? This episode reveals why these states might not be the financial paradise you envision. Host Ralph Estep Jr. shares the…
In today's episode of the Ask Ralph podcast, we delve into the vital decision of choosing between a lump sum and annual retirement payouts, a choice that can significantly impact your financial future. Ralph Estep Jr unpacks…
Ever wondered if your retirement savings are hiding a potential tax time bomb? In this episode of The Ask Ralph Show , Ralph Estep Jr. breaks down strategies to help you avoid unexpected tax surprises in retirement. Discover…
Have you ever wondered how to ensure your loved ones don’t face a heavy tax burden when they inherit your IRA? In this episode, host Ralph Estep Jr. shares key strategies to ease the financial strain on your heirs. Inspired …
Is life insurance taxable? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about taxes regarding life insurance. Is life insurance taxable? With Ralph Estep, Jr. In this episode of the Ask Ralp…
Have you ever thought about what could cause an IRS audit? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he discusses the topic of IRS audits. What are 8 common reasons for getting audited by the IRS?…
Ever worried that claiming a home office deduction could lead to an IRS audit? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he tackles the question of whether taking a home office deduction might lea…
How can you strategically order your retirement withdrawals to optimize your taxes? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about different strategies to maximize your retirement saving…
Are you a newlywed wondering how tying the knot will affect your taxes? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he unravels the mysteries of married filing. I Just Got Married – Do You Have A Ne…
Are you considering gifting stocks to a loved one but worried about the tax implications? Want to share your financial blessings while being a good steward of your resources? Tune in to this episode of the Ask Ralph Podcast …
