#financial planning

2026 investment tax planning: how dividends stack on other income, a Roth conversion example with hidden 27% to 30% rates, IRMAA and NIIT, and a calendar.

Rolling 10% out-of-the-money S&P 500 puts costs about 2.3% to 2.6% a year at 20% implied volatility. Cost math, collars, put spreads, and Cboe index data.

How interest rate gaps set forward prices for EUR/USD and USD/JPY, what HEFA and EFA returned, business hedging with forwards and options, and ASC 815 basics.

Pay off card debt faster: 2026 rates, avalanche vs. snowball with worked numbers, balance transfer and loan math, credit score effects, and settlement risks.

Decide what help you need, compare advisor types, read Form CRS and ADV, check records, ask the right interview questions, and spot red flags before you sign.

Planning for households with $1M to $30M in 2026: the SALT cap phase-down, AMT, asset location math, concentrated stock, residency audits, and GRATs.

FIRE math for 2026: savings rate vs. years to FI, withdrawal rate research, sequence risk, the ACA subsidy cliff, and penalty-free access before 59½.

The legal duties behind "fiduciary," how Reg BI and annuity rules differ, where conflicts remain, rollover math, and how to verify an advisor in 2026.

ETF vs mutual fund payouts, qualified dividends, foreign tax credits, munis at 2026 brackets, and a 20-year test of where to hold stocks and bonds.

TIPS, I bonds, commodities, REITs, gold and stocks compared on real yields, taxes, and their record in years when inflation ran above 5%.

Set a retirement savings target, use the 2026 401(k), IRA, and HSA limits, handle the new Roth catch-up rule, and fund accounts in a sensible order.

Real advisor fee schedules and Kitces survey data, plus a 30-year cost table for 1% AUM, tiered, robo, and flat fees, and what Vanguard says advice adds.

REIT investing with 2026 data: sector returns and yields, FFO vs. AFFO with a worked example, how REIT dividends are taxed after OBBBA, and non-traded REITs.

How dividend investing works in 2026: yield vs. growth math, payout safety checks, yield traps, qualified dividend and REIT tax rules, and account placement.

How to test whether an AI forecast beats a naive baseline, which accuracy metrics to use, where ML helps in FP&A and cash forecasting, and handling drift.

What each way of consolidating debt really costs: lender fees and APRs, home equity risk, 401(k) loan rules, NFCC plans, and settlement, with checked totals.

Robo-advisor fees compared as of September 2026: Betterment, Wealthfront, Schwab, and Vanguard, plus 30-year fee drag and what tax-loss harvesting means.

How tax-loss harvesting works in 2026: wash-sale traps (IRAs, spouses, dividends), the $3,000 limit, lot selection, crypto rules, and deferral math.

Size business debt with DSCR and leverage multiples, choose fixed or floating with SOFR near 3.9%, keep covenant headroom, and run a rate-shock test.