Nauma

CRUT: Turning Concentrated Stock into Lifetime Income

Defer capital gains, generate income, and fund long-term philanthropy without selling everything at once

Feb 20 • Nauma

The Real Cost of Raising Kids in the San Francisco Bay Area

Housing, school, college, and how to plan without over- or under-saving

Feb 3 • Nauma

1

January 2026

Starting a Startup at 25, 35, or 45 Is Not the Same Decision

How age, family, and timing quietly change the real cost of entrepreneurship

Jan 22 • Nauma

2

When Asset Protection Costs $1 Million

Modeling how dynasty trusts and retirement accounts interact under compressed trust tax brackets

Jan 12 • Nauma

4

Managed Futures: Putting a Price on Lower Volatility

A quantitative look at volatility reduction, fees, and sequence-of-returns risk

Jan 6 • Nauma

2

December 2025

Variable Prepaid Forward (VPF) Contracts

The Math, Risks, and Tradeoffs Behind Variable Prepaid Forward Contracts

Dec 27, 2025 • Nauma

1

721 Exchange Funds and 351 ETF Exchanges Explained

Understanding the benefits, risks, and fees of 721 exchange funds and 351 ETF exchanges

Dec 22, 2025 • Nauma

Impact of Deferring Capital Gain Taxes

Why wealthy investors focus on delaying capital gains and where people get it wrong

Dec 17, 2025 • Nauma

Retire in the Bay Area or Relocate to Florida?

A Side-by-Side Look at Long-Term Net Worth

Dec 3, 2025 • Nauma

3

1

November 2025

Buy vs. Rent in San Francisco

Why the Right Answer Isn’t Just About Monthly Payments

Nov 20, 2025 • Nauma

5

4

1

Financial Projections: Common Modeling Mistakes

Personal Finance Learning Session - November 7, 2025

Nov 11, 2025 • Nauma

6

October 2025

Charitable Donations: A Powerful Tool for Smarter Tax Planning

A practical look at how timing, income, and donation type shape your tax savings.

Oct 19, 2025 • Simone Qu

3