NUA or a Full IRA Rollover? The Company-Stock Decision at Retirement
Company stock in your 401(k)? Using NUA or rolling everything to an IRA is largely irreversible. See when each path wins before you sign.
Tax & Estate Planning
Tips on tax efficiency, estate planning, and legacy preservation.
Required Minimum Distributions (RMD) in 2026: Ages, Penalties, and the Rules That Changed
RMDs start at 73 or 75 depending on your birth year, the missed-RMD penalty dropped to 25%, and Roth 401(k)s are now exempt. The 2026 rules, explained.
RSUs and Stock Options: Timing the Tax Hit
Equity comp can bring a tax bill before the cash to pay it. See when RSUs, NSOs, and ISOs are taxed – and how to plan the timing.
Too Much of One Stock: Diversifying a Concentrated Position Without a Ruinous Tax Bill
The stock that made you wealthy can undo you. See the tax-aware ways to diversify a concentrated position – staged sales, gifting, and more.
Does the New $15 Million Exemption Mean You Can Ignore Estate Planning?
The exemption decides whether you owe estate tax – not whether your plan works. See what still needs attention even if your estate is under $15 million.
The Permanent $15 Million Exemption: What the New Estate Tax Law Means for Your Plan
The estate tax exemption did not fall in 2026 – it rose to $15M per person, permanently. See what the new law means for your plan, and why review still matters.
A $3.6 Million IRA and the Ten-Year Window: An Illustrative Roth Conversion Case Study
A hypothetical case study: how a measured Roth conversion turned a $3.6M IRA’s forced-distribution tax into a far larger tax-free legacy. Illustrative.
The Survivor’s Penalty: How Roth Conversions Protect a Surviving Spouse
When a spouse dies, the survivor files as single and the brackets nearly halve. Part Three of a three-part series looks at how Roth conversions made while both spouses are alive can ease the survivor’s penalty.
The Ten-Year Clock: How a Roth Conversion Changes What Your Heirs Actually Keep
The SECURE Act’s ten-year rule can tax an inherited IRA at your heirs’ highest rate. Part Two of a three-part series looks at how a Roth conversion changes what your children actually keep.
The Roth Conversion Window: Reducing Your Own Lifetime Tax Before Your RMDs Decide It For You
Required minimum distributions can keep a large traditional IRA taxed for the rest of your life. Part One of a three-part series looks at how a measured Roth conversion strategy under 2026 tax law may reduce your own lifetime tax.