Investing

Asset allocation, investing, asset location

A person's finger pressing a heavy-duty mechanical reset button sitting on top of a stack of IRS tax forms. The key insight is that early retirees can "reset" their investment cost basis by intentionally harvesting capital gains during low-income years, legally eliminating future federal tax liabilities on embedded growth.

How to Harvest Capital Gains in the 0% Tax Bracket During Retirement

Are you leaving free money on the table in retirement? Tax-gain harvesting lets retirees with low taxable income sell appreciated investments and pay zero federal capital gains tax. Because wash sale rules apply only to losses, you can buy back the exact same asset minutes later. This resets your cost basis higher and saves money on future taxes. Learn how to navigate the tax brackets, handle Roth conversion tradeoffs, and avoid common state tax traps.

Marcel Miu, CFA, CFP®

Apr 238 min read

A chained leather wallet with a glowing red percentage lock, as a shadowy hand pulls away a stack of cash. This represents the "tax friction" tech professionals face when RSU blackout periods force delayed sales, resulting in high short-term capital gains taxes that drain wealth accumulation.A chained leather wallet with a glowing red percentage lock, as a shadowy hand pulls away a stack of cash. This represents the "tax friction" tech professionals face when RSU blackout periods force delayed sales, resulting in high short-term capital gains taxes that drain wealth accumulation.

The Hidden Tax Drag On Your RSUs and How Direct Indexing Could Help Fix It

Selling RSU shares? Blackout periods often force short-term gains taxed at high rates. Learn how direct indexing systematically harvests losses to potentially neutralize this tax friction and boost your after-tax returns. Stop the hidden tax drag.

Marcel Miu, CFA, CFP®

Oct 28, 20258 min read