Nauma

Washington’s 2028 Income Tax Bill Surprising Design Problems

A capital-gains cliff, a marriage penalty, and thresholds that drift apart over time

Sep 23 • Nauma

Startup Tender Offers: How ISO Decisions Can Change Your Tax Bill

Using tax modeling and long-term planning to compare exercise-and-hold versus exercise-and-sell

Sep 13 • Nauma

Why Auto-Selling RSUs Doesn’t Eliminate Stock Exposure

Why RSUs can materially affect your net worth even if you sell every share as soon as it vests.

Sep 4 • Nauma

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August 2026

The Math of CRUTs: Philanthropy vs. Tax Mitigation

Common modeling mistakes that can make CRUTs appear more attractive than they really are.

Aug 11 • Nauma

How Much of a Single Stock Can I Have in My Portfolio?

Why generic rules of thumb fail, and how to stress-test your actual capacity for single-stock risk.

Aug 2 • Nauma

July 2026

Financial Planning for Families With Special Needs

Coordinating public benefits, trust taxation, and legal protections for a family’s lifelong plan

Jul 16 • Nauma

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June 2026

When Relying on Federal Tax Brackets in a Roth Conversion Optimizer Can Be Misleading

Filling a federal tax bracket is a popular strategy, but for families with interstate moves, expat plans, or complex tax situations, it may reduce…

Jun 24 • Nauma

Exchange Funds and Expected Market Returns

Exchange funds may help diversify without paying taxes today, but the math depends on future market returns.

Jun 13 • Nauma

The Safe Withdrawal Rate: Do You Need Bonds in Retirement?

Stress-testing an equity-only portfolio against a custom glide path in retirement

Jun 4 • Nauma

May 2026

Understanding Taxes in Long-Term Financial Projections

How cost basis, future contributions, and inflation-adjustments impact tax projections.

May 15 • Nauma

Why Financial Goals Should Come Before Investment Strategy

How goal-based planning helps connect wealth to specific life outcomes, reduce stress, and make better long-term decisions

May 8 • Nauma

April 2026

“Average” Life Expectancy in Financial Planning

Why relying on national averages creates a longevity risk

Apr 29 • Nauma