TaxNov 2025
The Quiet Power of Roth Conversions in a Rate-Pause Year
Why the window between peak earning years and Required Minimum Distributions is the most tax-efficient era of most retirement plans — and how to use it.
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— Insights
Plain-English notes on tax & related topics.
The articles below are educational only and are not personalized tax, legal, or investment advice. They should not be relied upon as a recommendation. Please consult an appropriately licensed professional regarding your situation.
RetirementOct 2025
Sequencing Withdrawals: The 60/20/20 Framework
A simple rule for which buckets to draw from first — and the rare cases where the textbook order is exactly the wrong answer.
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EstateSep 2025
Why Most Beneficiary Designations Don't Match the Will
An audit of 200 client households revealed a 38% misalignment between beneficiary forms and estate documents. Here is the five-minute fix.
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MarketsAug 2025
The Concentrated Stock Problem (and Three Ways Through It)
If 30% or more of your net worth sits in one ticker, time is rarely your friend. A practical, tax-aware diversification playbook.
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