Build Your Tax-Efficient Future
This interactive guide helps you navigate the 2025 U.S. tax landscape. Explore key strategies for tax deferral, tax-free growth, and wealth preservation to maximize your after-tax returns.
Retirement Planning Central
Your retirement accounts are the cornerstone of long-term wealth building. Enter your age to see your personalized 2025 contribution limits and explore the best strategies for your situation.
Max Contribution Comparison (2025)
Education Savings Hub
Section 529 Plans offer unparalleled tax benefits for funding education. Discover how to leverage gifting rules and new flexibilities to save for K-12, college, and even retirement.
529 Plan Gifting Calculator (2025)
Use the annual gift tax exclusion to fund a 529 plan without tax consequences. "Superfunding" allows you to make 5 years of contributions at once.
Key 529 Plan Benefits
Tax-Free Growth & Withdrawals
Investments grow tax-deferred and withdrawals for qualified education expenses are federally tax-free.
Expanded Use
Use funds for K-12 tuition (up to $10k/year), student loan repayment (up to $10k lifetime), and apprenticeships.
Game-Changer: 529-to-Roth IRA Rollover
Up to $35,000 in unused 529 funds can be rolled over to the beneficiary's Roth IRA, providing a tax-free head start on retirement.
Advanced Tax & Wealth Strategies
Optimize your portfolio and preserve your wealth with sophisticated tax-aware investing and estate planning techniques.
Bond Tax-Equivalent Yield
See how a tax-free municipal bond's yield compares to a taxable corporate bond. For high earners, the after-tax return of a "muni" is often higher.
Strategic Asset Location
Boost after-tax returns by placing assets in the right account type to minimize tax drag.
In Tax-Advantaged Accounts
(IRA, 401(k))
- Corporate Bonds
- High-Yield Bonds
- Active Mutual Funds
- REITs
In Taxable Accounts
(Brokerage)
- Index Funds/ETFs
- Individual Stocks
- Municipal Bonds
Estate Planning: Avoid Probate
Ensure your assets transfer to heirs efficiently and privately by avoiding the costly, public probate process.
Use Beneficiary Designations
The easiest step. Update beneficiaries on IRAs, 401(k)s, and life insurance. Use TOD/POD on bank/brokerage accounts.
Create a Living Trust
For assets without beneficiaries (like your home), a trust holds them so they pass outside of probate.
