If tax planning had an amusement park, the line for “Harvest Capital Gains or Do a Roth Conversion?” would still be the one where everyone reads the warning sign, shrugs, and gets in line anyway. Both strategies have their moments, both can save real money, and both can make your tax return a little spicier than you might prefer. The challenge in 2026 is figuring out which option leaves the lighter footprint. Let’s walk through the thinking with updated income thresholds, cle

Required Minimum Distributions have a way of feeling like a rule someone else invented for someone else, right up until the year it applies to you. Then it suddenly becomes very personal, very real, and very connected to your tax bill. A good RMD review is not just about making sure a withdrawal happens. It is about making sure the withdrawal supports your cash needs, your investment strategy, and your tax planning for the year. Asking the right questions early can keep the p

Tax season is often stressful, but most of that stress comes from one factor. Scrambling. Searching. Wondering whether a form exists and hoping it does not. A smoother filing experience usually starts well before you sit down with your tax software or your preparer. Gathering documents in advance helps ensure your return is complete, accurate, and not delayed by a missing form that arrives after you thought you were finished. Rather than thinking about this as a checklist you

The start of a new year often prompts reflection. Suddenly, we are optimistic, organized, and confident that this will be the year we finally use that budgeting app we downloaded three phones ago. While New Year’s resolutions usually focus on health or productivity, January is also an ideal time to take a thoughtful look at your finances. Not a dramatic overhaul. No drastic moves. Just a clear-eyed review to make sure your plan still fits your life. Think of it as a financial