Tax planningApril 2026·9 min
Roth conversions: why your 60s might be the best time
The post-retirement, pre-RMD window is often the lowest tax-bracket period of your life. We model strategic conversions for most clients in their 60s.
Insights
The Cornerstone Journal
Strategic perspectives on tax planning, retirement, investing, and the practice. Written by our partners. Quarterly digest available.
RetirementMarch 2026·11 min
Sequence-of-returns risk in 2026
Why a market drop in your first 5 years of retirement is materially worse than the same drop in year 20 — and the bond ladder strategy we use to mitigate.
Tax planningMarch 2026·8 min
Tax-loss harvesting: the math is real, the implementation matters
Most articles overstate harvesting benefits. The actual after-tax benefit, with realistic assumptions about future tax rates and rebalancing.
Investment strategyFebruary 2026·9 min
Why we don’t time markets — and what we do instead
Market timing systematically destroys returns. Disciplined re-balancing + tax-aware management captures most of the supposed timing benefit without the downside.
Business ownersJanuary 2026·12 min
Pre-sale planning for business owners
If you might sell your business in the next 5 years, the planning starts now. Common structures + tax savings of $300K – $3M+ for typical owners.
RetirementJanuary 2026·10 min
Social Security claiming: the calculation that matters
When to claim Social Security depends on your specific spousal situation, longevity expectations, and other income. Most blanket advice is wrong for most people.