Taxes FAQ

Taxes matter. They are complicated and should not be isolated. Taxes need to be integrated into financial plans. It’s difficult to know where to look for answers. Here is a partial list of questions and topics that we can advise you on:

Account diversification during retirement.
Which investments to give to charity and when and how to give them (donor advised fund, CRUT, etc.).
How best to deal with concentrated, low-basis holdings or employee stock options.
Where do you locate which investments during the accumulation phase? Which investments should be held in taxable accounts, retirement accounts, ROTH IRAs,
529 plans, annuities, cash value insurance, 401k, 403b, various trust accounts, etc.
Optimal draw-down strategies during the de-cumulation phase – which accounts to draw-down at what time – which assets to pass to heirs if step-up in basis potential.
Debt – Mortgage: pay off or not? Margin account?
ROTH conversion strategies – annual optimal amounts.
Optimal retirement contributions – qualified and non-qualified.
Intra-family transfers.
Schedule D planning – capital loss carryover utilization.
Required minimum distribution strategies?
Tax ramifications of mutual funds versus ETFs, LPs, Variable Annuities, Separately Managed Accounts, etc.
Loss harvesting, gain harvesting, managing capital gain distributions, kiddie tax.
How to max low tax bracket opportunity for those between retirement and RMD age 73
Current federal and state tax laws and future laws.

The above is not intended to be a comprehensive list.