40 year corporate finance career in Corporate Finance with Fortune 500 companies including UnitedHealth and ING. Focus on insurance lines including annuities, life and health. Now retired.
AUTHOR: Doug Kaufman on 2/20/2025 FIRST: Brent Wilson on 2/20 | RECENT: David Lancaster on 5/16
Comments
Excellent article. Your example gets at it, but specifically the “stackable” of other income sources is a key complexity to understand as most people will have other income than their cap gains. I screwed up my LT cap gain sale last year due to not calculating this entirely correct.
Could be quite foolish. One, there then is no limit on your medical costs. What if you are seriously injured or get cancer? The costs will quickly skyrocket. Two, depending on your state, if you want a supplement later, you may have to go through medical underwriting and could be denied.
I’ve also used Fidelity Donor Advised Fund for years. No minimum deposit; $50 min per grant; $100 or 0.6% fee per yr, whatever is greater and all investment choices. You may want to consider giving a larger donation to take advantage of the tax deduction. Good luck
Excited to have you Bogdan. Your articles are so clear and complete. It’s especially nice to hear a young voice. Please do share your links to social media where I’m sure many will follow.
Comments
Excellent article. Your example gets at it, but specifically the “stackable” of other income sources is a key complexity to understand as most people will have other income than their cap gains. I screwed up my LT cap gain sale last year due to not calculating this entirely correct.
Post: Tax Gain Harvesting
Link to comment from November 8, 2025
25M on ACA until 1/1/26 when subsidies for so many are not renewed due to lack of legislation. Going to hurt millions.
Post: About those US medical costs….
Link to comment from October 27, 2025
I did see that; it’s quite an increase
Post: Social Security COLA announced this morning.
Link to comment from October 25, 2025
Delete
Post: Social Security COLA announced this morning.
Link to comment from October 25, 2025
Ooofff. Hope you look at alternatives
Post: Social Security COLA announced this morning.
Link to comment from October 25, 2025
Could be quite foolish. One, there then is no limit on your medical costs. What if you are seriously injured or get cancer? The costs will quickly skyrocket. Two, depending on your state, if you want a supplement later, you may have to go through medical underwriting and could be denied.
Post: Don’t make the wrong Medicare decision
Link to comment from October 25, 2025
I’ve also used Fidelity Donor Advised Fund for years. No minimum deposit; $50 min per grant; $100 or 0.6% fee per yr, whatever is greater and all investment choices. You may want to consider giving a larger donation to take advantage of the tax deduction. Good luck
Post: Easy DAF (e.g. Daffy.org) for Donation of Appreciated Stocks
Link to comment from October 18, 2025
Excited to have you Bogdan. Your articles are so clear and complete. It’s especially nice to hear a young voice. Please do share your links to social media where I’m sure many will follow.
Post: Quick Intro
Link to comment from September 20, 2025
I just say - damn the ice cube makers - haha
Post: Have you purchased an appliance lately? Talk about sticker shock.
Link to comment from September 20, 2025
Thank you Adam. Very interesting and finally something cryptocurrency related I understood; not cryptic.
Post: Smart Move?
Link to comment from August 9, 2025