Tax & Estate
Asset location: the same portfolio, a lower tax bill
Which account a holding sits in changes its after-tax return without changing your risk at all. Here is the ordering that works, and the three situations that invert it.
Posts
Author: Priya Raman, CPA/PFS
Director of tax planning. Specializes in multi-year tax projections, Roth conversion strategy, and coordinating investment decisions with the return that eventually reports them.
Tax & Estate
Roth conversions: finding the window before RMDs close it
A conversion is a bet on one variable: your rate today versus your rate later. For many retirees there is a predictable low-bracket window — and it does not stay open.
Portfolio Strategy
Concentrated stock: a portfolio nobody would design on purpose
If one holding dominates your net worth, the honest question is whether you would buy that much of it today. Six ways to reduce exposure without a single painful decision.