Learn how the Massachusetts SMART Plan sick and vacation payout works and whether deferring your lump-sum payout into the SMART Plan can help you manage taxes and strengthen your retirement strategy.

Massachusetts pensions no longer reduce Social Security in 2025, but your statement still misses key spousal, survivor, and filing strategy details. Here’s what to know.

If you’ve ever opened your tax return, saw you owed more than expected, and thought: “Wait — they already withheld taxes on my RSUs and bonus!” You’re not wrong. They did. Just… not enough. Every year, I see high earners engineers, managers, executives get blindsided by this. They’re careful savers, they max out retirement accounts, and they check their paystubs. Yet come April, they’re still writing a check to the IRS. Sometimes 6 figure checks. The reason? A hidden mismatch between how your...