by admin@thencandesigns.com | Aug 26, 2026 | Financial Planning, Tax Planning
Key Takeaways ETFs and mutual funds are containers. They can hold identical investments, so the real differences are how they trade, what they cost, and how they’re taxed.1 ETFs trade throughout the day like a stock. Mutual funds price once, after the market...
by Ryan Nelson | Aug 3, 2026 | Tax Planning
Key Takeaways Hold an investment more than a year and your profit is taxed at 0%, 15%, or 20%. Sell in a year or less and it’s taxed as ordinary income, up to 37%. The 2026 brackets rose with inflation. The 0% rate now reaches $98,900 of taxable income for a...
by Ryan Nelson | Jul 6, 2026 | Tax Planning
Key takeaways The retirement tax bomb is the income tax bill quietly compounding inside your traditional IRA or 401(k). Every year the account grows, the IRS’s share grows right along with it. Required minimum distributions (RMDs) light the fuse. Starting at age...
by Ryan Nelson | Jun 29, 2026 | Tax Planning
Key takeaways The 2017 tax cuts were made permanent in 2025, so the old reason to rush a Roth conversion, beating a scheduled rate increase, is gone. Conversions still make sense for many retirees, for reasons that have nothing to do with rates: smaller future...
