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Tax Planning

Lowering your lifetime tax bill: Roth conversions and their timing, tax-efficient withdrawals, NUA on company stock, tax-loss harvesting, contribution limits, charitable giving (donor-advised funds, QCDs, gifting appreciated stock), and beneficiary income-tax planning. The worst cannibalization offender (Roth appears 4x); consolidate to one canonical page per topic.

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29 pieces

Everything on tax planning

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Financial Planning Fridays #128: Gifting to Loved Ones

For families who have saved more than they will need, lifetime gifting can transfer wealth to children, grandchildren, and others in ways that are both tax-aware and meaningful. This Presilium video reviews effective gifting strategies, the difference between giving now versus at death, and how to align gifts with family values.

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Building Value #6: Qualified Small Business Stock Exclusion

In this Building Value episode, Presilium explains the Qualified Small Business Stock (QSBS) exclusion under Section 1202, which can allow eligible founders and early shareholders to exclude a substantial portion of capital gains from federal tax when they sell. It covers eligibility basics and why owners should plan for it early.

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Financial Planning Fridays #119: Roth Conversions

A Roth conversion moves funds from a traditional IRA into a Roth IRA, where they may grow tax-deferred under current rules, including for up to a decade after passing to heirs. This Presilium video explains how strategic conversions may help reduce lifetime taxes and support your retirement and legacy goals, depending on your situation. Past performance does not guarantee future results; this is educational, not investment advice.

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Financial Planning Fridays #118: Donor Advised Funds

Donor-advised funds (DAFs) are the fastest-growing charitable giving vehicle. This Presilium video explains how a DAF lets you take a charitable tax deduction in the year you contribute, invest the funds to grow tax-free, and recommend grants to charities over time, often using appreciated assets for added tax efficiency.

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Tips & Tricks for Today & Tomorrow 8 – Roth Contributions for High Earners

High earners are often phased out of contributing directly to a Roth IRA. This Presilium video explains workarounds, including the backdoor Roth IRA and mega backdoor Roth through a 401(k), that let high-income savers still build tax-free retirement assets, along with the tax rules to watch when using them.

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Financial Planning Fridays # 109: NUA and Company Stock in Your 401k

Net unrealized appreciation (NUA) is a tax rule for employees holding appreciated company stock inside a 401k. Instead of rolling shares into an IRA, you transfer them to a brokerage account, paying ordinary income tax only on the cost basis and long-term capital gains rates on the appreciation.

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Financial Planning Fridays #107: Save Your Beneficiaries from Excess Income Tax!

How you allocate which assets go to heirs versus charities can dramatically affect the after-tax legacy your family keeps. By directing tax-deferred accounts to charity and other assets to heirs, families can minimize income tax on inherited wealth and maximize what loved ones actually receive.

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Financial Planning Fridays #97: Required Minimum Distributions

Required Minimum Distributions (RMDs) are mandatory annual withdrawals from tax-deferred retirement accounts that begin once you reach a certain age. Their purpose is to ensure retirement savings are drawn down and taxed during your lifetime rather than deferred indefinitely. Planning ahead helps manage their tax impact.

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Financial Planning Fridays #94: Lifetime Tax Savings

This episode outlines the top tax-saving strategies Presilium uses to lower clients' lifetime tax bills, including coordinating account types, withdrawal sequencing, and Roth conversions. The core message: a written, multi-year tax plan that integrates these strategies can meaningfully improve a household's lifetime net income.

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The Big Question Special Edition: Restricted Stock Units (RSUs)

This special edition explains restricted stock units (RSUs): how they vest, why vested shares are taxed as ordinary income, and how to decide whether to hold or sell. It addresses the concentration risk of holding large amounts of one employer's stock and how RSUs fit into a broader financial and tax plan.

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Tips and Tricks for Today and Tomorrow: Episode 5 – Qualified Charitable Distributions

This episode explains qualified charitable distributions (QCDs), which let IRA owners aged 70½ or older give directly to charity tax-free. A QCD can satisfy required minimum distributions while keeping the donated amount out of taxable income, making it one of the most tax-efficient ways for retirees to give.

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Financial Planning Fridays #91: A Head Start

This episode encourages clients who have more than they will spend to consider lifetime gifts to family, friends, and charities. By giving sooner, the recipients gain more years for compounding to magnify the gift, and the giver gets to see the impact during their lifetime rather than only through their estate.

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Tips and Tricks for Today and Tomorrow: Episode 3 – How to Find Tax Documents on Fidelity.com

This short tutorial walks Fidelity account holders through locating and downloading their tax documents on Fidelity.com. It shows where year-end tax forms live in the account portal so you can retrieve 1099s and related statements quickly when preparing your return or sharing them with your accountant.

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Tips and Tricks for Today and Tomorrow: Episode 2 – How to Find Tax Documents in your Presilium Client Vault

This tutorial shows Presilium clients how to find and download tax documents stored in their secure client vault. It walks through where year-end forms are kept so clients can retrieve and share what they need at tax time without delay.

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Tips and Tricks for Today and Tomorrow: Episode 1 – 2024 IRS Updates

The IRS updated contribution limits for 2024. In this short video, Brian walks through the figures Presilium considers most important to know, helping savers calibrate how much to contribute to retirement and tax-advantaged accounts for the year.

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Financial Planning Fridays #63: Year-End Planning

As the year closes, several planning moves can reduce taxes and strengthen your position: harvesting tax losses in taxable accounts, reviewing Roth conversion opportunities, maximizing contributions, and checking required distributions. This episode walks through the year-end steps Presilium completes for clients before December 31.

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Financial Planning Fridays #44: How Your Family May Benefit From A Trust

A trust is one of the most versatile estate-planning tools, helping families manage and distribute assets according to their wishes while maintaining privacy, minimizing tax liability, and preserving wealth for future generations. This episode explains the core benefits a trust can provide and when one may make sense for your family.

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Financial Planning Fridays #27: Improving After Tax Returns

Improving Financial Planning Fridays #27 covers two primary ways to increase your after-tax return: tax-loss harvesting, which uses realized losses to offset gains and income, and tax-aware portfolio management. After a volatile 2022, harvesting losses can lower your tax bill without changing your long-term investment strategy.

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Financial Planning Friday’s – Improve Your After-Tax Returns

This Financial Planning Fridays teaser (#27) introduces strategies to improve your after-tax returns, chiefly tax-loss harvesting and tax-aware portfolio management. The full episode explains how keeping taxes low on your investments leaves more of your return compounding for you over the long term.

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General: Jackie’s 2023 Presilium Tax Form Video

A short Presilium video in which team member Jackie walks clients through the tax forms they receive for the 2023 tax season, explaining what each document is and how to use it when preparing returns. It is a practical, client-service explainer rather than a broad tax-strategy piece.

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Financial Planning Fridays #22: 2023 Contribution Limits

Financial Planning Fridays #22 covers the 2023 IRS contribution limits, the largest increases in history, and how to use them to maximize tax-advantaged retirement accounts. Saving into 401(k)s, IRAs, and similar accounts is one of the most effective annual investment moves because of their significant tax advantages.

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Financial Planning Friday’s – How to Maximize the 2023 IRS Limits

This Financial Planning Fridays teaser (#22) previews how to maximize the 2023 IRS contribution limits. The full episode explains how the record increases let savers contribute more to tax-advantaged retirement accounts, making the start of the year an ideal time to set up contributions.

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Financial Planning Fridays #14: Investing for Education

This Financial Planning Fridays episode covers saving for college using 529 college savings accounts. With the average four-year private-college cost exceeding $218,000, Presilium explains how 529 plans offer tax-advantaged growth and flexibility, and why starting early helps families manage rising education expenses.

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General: Required Minimum Distributions: A Higher Level Overview

This standalone video gives a high-level overview of required minimum distributions (RMDs), the amounts the IRS requires retirees to withdraw from tax-deferred accounts such as traditional IRAs and 401(k)s once they reach the applicable age. It explains why RMDs matter for retirement income and tax planning.

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Financial Planning Fridays #9: Estate Planning

This Financial Planning Fridays episode introduces estate planning. A good estate plan transfers your assets and investments to designated beneficiaries in the most effective way possible under current law, and in the easiest way for loved ones during a stressful time. Presilium also touches on the lifetime gift exemption.

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Financial Planning Fridays #8: Tax Loss Swaps

This Financial Planning Fridays episode explains tax loss swaps, a strategy Presilium uses for clients when the opportunity arises. By selling an investment that is temporarily down to capture the realized loss, then reinvesting, the firm can offset future capital gains without making a large change to a client's overall allocation.

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Financial Planning Fridays #6: Account Withdrawal Order

This Financial Planning Fridays episode explains how the order you take withdrawals from your retirement accounts can significantly affect reaching your goals. Many clients hold three account types, after-tax, IRAs/401(k)s, and Roth IRAs, each with different tax rules, and a good plan models how much to draw from each.

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General: Your Retirement Plan’s Best-Kept Secret

This video highlights an often-overlooked feature inside employer retirement plans that can help diligent savers contribute more and improve tax efficiency. It is aimed at workers who want to maximize what their workplace plan allows beyond standard contributions.

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Top 3 Ways to Benefit From A Down Market Today

This article outlines three ways long-term investors can approach a down market: putting cash to work at lower prices, considering Roth conversions while account values are depressed, and harvesting tax losses that may offset future gains. Each can help reframe volatility as a potential planning opportunity rather than a reason to react. Past performance does not guarantee future results; this is educational, not investment advice.

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