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.
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Category: Tax & Estate
Roth conversions, asset location, charitable strategy, and passing wealth on efficiently.
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.