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✅ Financial planning for 30-50 year old entrepreneurs: ⁠⁠⁠https://www.allstreetwealth.com⁠⁠⁠⁠⁠

✅ My personal blog & newsletter: ⁠⁠⁠https://www.thomaskopelman.com⁠⁠⁠⁠⁠

Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

In this episode, I break down the ins and outs of Restricted Stock Units (RSUs), Non-Qualified Stock Options (NSOs), Incentive Stock Options (ISOs), or Employee Stock Purchase Plans (ESPPs)

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✅ Financial planning for 30-50 year old entrepreneurs: ⁠⁠⁠https://www.allstreetwealth.com⁠⁠⁠⁠⁠

✅ My personal blog & newsletter: ⁠⁠⁠https://www.thomaskopelman.com⁠⁠⁠⁠⁠

Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

In this week's episode, I dive deep into investment taxation and how it impacts your overall returns. Understanding how different investments are taxed is crucial if you're trying to maximize your portfolio's performance.

• Stocks: Learn about capital gains taxes, dividends, and the importance of holding periods

• Bonds: Discover the tax implications of corporate, treasury, and municipal bonds

• ETFs and Mutual Funds: Understand the differences in tax treatment and why ETFs may be more favorable

• Cryptocurrency: Get insights on capital gains, staking, and the unique aspects of crypto taxation

• REITs: Explore the tax inefficiencies of real estate investment trusts

• Real Estate: Learn about income tax, depreciation, and capital gains exclusions for primary residences

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✅ Financial planning for 30-50 year old entrepreneurs: ⁠⁠https://www.allstreetwealth.com⁠⁠⁠⁠

✅ My personal blog & newsletter: ⁠⁠https://www.thomaskopelman.com⁠⁠⁠⁠

Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

In this episode, I discuss how underpayment penalties can sneak up on you. Many of our clients come to us unaware of these penalties, thinking that their W-2 withholdings or year-end tax payments are enough.

But there’s much more to it...

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✅ Financial planning for 30-50 year old entrepreneurs: ⁠https://www.allstreetwealth.com⁠⁠⁠

✅ My personal blog & newsletter: ⁠https://www.thomaskopelman.com⁠⁠⁠

Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

Many people don’t realize that HSAs can be invested, similar to a 401(k). This is especially beneficial for high-income earners who may have maxed out other tax-advantaged accounts.

If you can avoid using the funds for medical expenses, the goal is to let your HSA grow as long as possible to take full advantage of its benefits.

✅ Financial planning for 30-50 year old high-earners & entrepreneurs: ⁠⁠https://www.allstreetwealth.com⁠⁠

✅ My personal blog & newsletter: ⁠⁠https://www.thomaskopelman.com⁠⁠

Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

In this episode, I discuss the strategic timing for Roth conversions and how to maximize your contributions through the Mega Backdoor Roth 401(k).

✅ Financial planning for 30-50 year old high-earners & entrepreneurs: ⁠⁠https://www.allstreetwealth.com⁠⁠

✅ My personal blog & newsletter: ⁠⁠https://www.thomaskopelman.com⁠⁠

Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

While many investors focus on asset allocation, understanding WHERE to place your investments can significantly impact your after-tax returns. This episode explains:

• The differences between tax-deferred, tax-free, and taxable accounts
• How to minimize taxes and maximize your after-tax yield
• The best types of investments to hold in each account type, including bonds, REITs, and high-growth assets

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✅ Financial planning for 30-50 year old entrepreneurs: https://www.allstreetwealth.com⁠⁠

✅ My personal blog & newsletter: https://www.thomaskopelman.com⁠⁠

Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

In this episode, I break down a few of the essentials to becoming a better investor. If you've ever felt overwhelmed by the market or unsure about your investment strategy, this episode is for you. We discuss:

• The importance of behavior management and how your mindset can significantly impact your investment success

• Systematic approaches to investing and why having a structured investment strategy is crucial. I break down the importance of asset allocation and how to control what you can control.

• Understanding asset allocation, including the different types of asset classes and how to balance your portfolio based on your risk tolerance and investment goals.

• Find out why maintaining your desired asset allocation is essential for long-term success and how to effectively rebalance your portfolio

In this episode, I dive deep into the age-old debate: Roth vs. Traditional accounts. Many people assume that Roth is the way to go because they believe taxes will rise in the future. However, this episode aims to clear up common misconceptions and help you understand the nuances of effective tax planning for retirement:

• How tax deferral works with Traditional 401(k) contributions
• The benefits of Roth accounts, including tax-free growth and no RMDs
• The impact of Required Minimum Distributions (RMDs) on your retirement planning
• Strategies for Roth conversions and timing your tax payments
• The importance of tax diversification and effective tax rate management over your lifetime

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✅ Financial planning for 30-50 year old entrepreneurs: ⁠https://www.allstreetwealth.com⁠

✅ My personal blog & newsletter: ⁠https://www.thomaskopelman.com⁠

Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

In this episode, I break down the two main types of IRAs—the traditional (pre-tax) IRA and the Roth IRA (post-tax). Some highlights:

• Contribution Limits: Learn about the annual contribution limits and how they change based on your age and income

• Tax Benefits: The advantages of tax-deferred growth with traditional IRAs versus tax-free growth with Roth IRAs

• Withdrawal Rules: Understand the implications of Required Minimum Distributions (RMDs) and how they can affect your tax situation in retirement

• Backdoor Roth IRAs: How high-income earners can still take advantage of Roth IRAs through the backdoor method

• Spousal Contributions: Find out how you can contribute to your spouse's IRA, even if they don’t have earned income

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Financial planning for 30-50 year old entrepreneurs: ⁠https://www.allstreetwealth.com⁠

My personal blog & newsletter: ⁠thomaskopelman.com⁠

Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.