Blog | Trusted Path Wealth Management
Net Unrealized Appreciation: An Often-Overlooked IRS Provision for Company Stock in a 401(k)
When a 401k holds company stock that has grown significantly, an IRS provision called net unrealized appreciation may allow longterm...
Four Layers of Tax Efficiency — What the Series Has Shown So Far
Four posts. Four independent illustrations of tax drag on a highincome California portfolio. Asset location, taxloss harvesting, equity fund structure,...
What Is a 401(k) and How It Works?
A 401k is one of the most powerful tools available for building longterm wealth — but most people only scratch...
The Bond That Pays Less but Keeps More: Tax Drag on Fixed Income Over 60 Years
A corporate bond paying 4% and a California municipal bond paying 2.75% — which one leaves a highincome Bay Area...
The Hidden Tax Drag on Stock Portfolio: How Fund Selection Alone Could Add $526,000 Over 60 Years
Two investors hold the same $100,000 in stocks. Same expected return. Same time horizon. But after 60 years, one has...
The Quiet Strategy That Could Add $2.3 Million: Tax-Loss Harvesting Over a Lifetime
Taxloss harvesting sounds technical. But for a highincome Bay Area couple starting at age 40, consistently applying it on top...
One Change. $2.1 Million More. What Tax-Efficient Asset Location Does Over a Lifetime.
A hypothetical Bay Area couple makes one change to how their investments are placed across accounts — not what they...
Why Maxing Your 401(k) Early Could Cost You Thousands in Employer Match
If your employer doesnt offer a 401k trueup provision, frontloading contributions could mean leaving significant employer match money on the...
Why a Solo Advisor Chooses a Mastermind
My journey as a solo financial advisor and the importance of having a trusted mastermind group for support, accountability, and...