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What is a Qualifying Surviving Spouse?

A qualifying surviving spouse is a federal tax filing status that lets an eligible surviving spouse use the married-filing-jointly tax brackets and basic standard deduction...

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What Is Tax-Gain Harvesting? Rules, Examples, and Tax Trade-Offs

Tax-gain harvesting means deliberately selling an appreciated investment when a favorable long-term capital gains rate applies, potentially as low as 0% in a lower-income year....

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How to Avoid Taxes on RMDs: What Works, What Doesn’t, and What to Do Before 73

If you search for how to avoid taxes on RMD withdrawals, you’ll find plenty of confident promises. Here’s the plain version. You generally can’t skip...

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Inherited IRA Tax Rules: A Plain-English Guide to Withdrawals and Taxes

Inherited IRA tax rules control when you must withdraw money from an IRA you inherit and how those withdrawals are taxed. The answer depends on...

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Is Inheritance Taxable? What You Actually Owe When You Inherit Money or Property

Inheriting money rarely comes with an instruction manual. Somewhere between the grief and the paperwork, a practical question tends to surface: does the IRS get...

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NIL Management: Why Today’s College Athletes Need a Financial Advisor

Today’s college athletes have the best financial opportunity in history, thanks to the new Name, Image, and Likeness (NIL) rules. Opendorse estimates that college athletes...

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Tax Strategies for High-Income W-2 Earners

If you’re a high-income W-2 earner, the One Big Beautiful Bill Act (OBBBA) likely reshaped your 2026 tax planning meaningfully. Unlike business owners, W-2 employees...

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Capital Gains Tax in Arizona: Everything You Need to Know

Arizona became even more attractive to investors this year. As of January 1, 2026, Arizona’s 25% long-term capital gains subtraction now applies to all assets,...

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2026 Tax Law Changes

It’s crucial to stay informed about changing tax laws, even though it can often feel overwhelming and time-consuming. The recent passage of the One Big...

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Disclaimer: ARQ Wealth Advisors, LLC is a member of the Institute for the Fiduciary Standard. Membership is comprised of a set of principles that underscore an advisor’s fiduciary duty to his or her clients. These standards include sufficient loyalty, due care, and utmost good faith. Specifically, our firm must demonstrate loyalty by: (i) affirming their fiduciary commitment to the client in writing; (ii) declining any sales-related compensation associated with transactions and product sales; (iii) avoiding conflicts of interest whenever possible; and (iv) mitigating unavoidable conflicts. Advisors must also act with due care by maintaining professional designations as applicable, by explaining agreements and disclosures orally and in writing, by establishing a reasonable basis for investment advice, and by following and documenting a prudent due diligence process for rendering investment advice. Our advisors must act in the utmost good faith by declining substantial gifts or entertainment provided by the client while charging, disclosing, and explaining reasonable fees.