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How to Avoid Capital Gains Tax on Stocks

How to Avoid Capital Gains Tax on Stocks

Taxes are an unavoidable truth of retirement planning and investing. However, avoiding capital gains tax on stocks is a good way to lower your total tax liability. Here are a few ways you can lower your capital gains tax bill. What is Capital Gains Tax? To understand how to avoid capital gains taxes, you first …

702(j) retirement plan is insurance

702(j) Retirement Plan: Worthwhile?

A 702(j) retirement plan really isn’t a “retirement plan” at all. It’s a cash value life insurance policy sold as a retirement plan. You may have heard the spiel. The promise of a 702(j) plan is tax-free retirement income. It is possible to access the cash value in a life insurance policy tax-free, but there …

tax-gain harvesting calculation

Tax-Gain Harvesting?

Tax-gain harvesting may seem counter-intuitive, but it can be an effective way to reduce your total tax burden in retirement. Mindful tax planning is one of the easiest ways to improve your finances in retirement. What makes that true is the fact that current tax rates are known, so any time you make a decision …