For seasoned DIY investors
You have the basics. Let's use the rest of the tax code.
Backdoor Roth, Treasuries, asset location, and the other moves that take more than an index fund.
Strategies we work on
Worth doing, easy to get wrong
Each of these has a rule that trips people up. We find out which ones apply to you before anything moves.
Backdoor Roth IRA
Over the Roth income limit? Contribute to a traditional IRA without a deduction, then convert it. The catch is the pro-rata rule, which can make most of the conversion taxable.
Mega backdoor Roth
Some 401(k) plans allow after-tax contributions well beyond the normal limit, plus an in-plan conversion or in-service withdrawal. Whether yours does is in the plan document.
Treasuries and T-bill ladders
Treasury interest is exempt from state income tax. In a state like Illinois that can beat a high-yield savings account at the same headline rate. A ladder keeps cash available on a schedule.
Asset location
Which funds go in taxable, traditional, and Roth accounts. Holding the same portfolio in the right places can lower the tax drag every year.
Tax-loss harvesting
Selling a fund at a loss and buying a similar one captures the loss for your return. The wash-sale rule decides what similar can mean.
HSA as a retirement account
If you have a high-deductible plan, an HSA can be invested and saved for later. Money can go in, grow, and come out for qualified medical costs without federal tax.
Your 3 sessions
What we will cover
Every session ends with something done, not just discussed.
- 01
Pick the strategies that fit
We go through your accounts, income, and plan documents, and decide which of these are worth doing for you and which are not. - 02
Run the numbers
Pro-rata exposure, after-tax yields, and the tax cost of any moves, before you commit to anything. - 03
Execute together
We walk through the conversions, transfers, or trades step by step, and set up the forms you will need at tax time.
FAQs
Start with a free 30-minute consult
Bring your hardest question. If the strategy does not fit your situation, you will know before you pay anything.
Book a free 30-minute consult