Nauma

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

Integrating VPFs into a Holistic Financial Plan

Using Monte Carlo analysis to quantify the impact of tax-deferred compounding and the "settlement spike" on portfolio longevity.

Apr 21 • Nauma

1

Analyzing VPFs as a Leveraged Diversification Tool

We discuss how Variable Prepaid Forwards act as portfolio leverage and the specific conditions under which tax deferral outweighs contract fees.

Apr 3 • Nauma

1

March 2026

Using Claude to File Taxes: Does It Save You Time or Money?

I spent some time today experimenting with claude-tax-filing skill to generate a tax return.

Mar 30 • Nauma

2

ESPP vs. Mega Backdoor Roth: The Problem With “Always Take the Free Money”

The problem with the Employee Stock Purchase Plan (ESPP) is that while it may look like "free money," it can distract from a more impactful tax…

Mar 27 • Nauma

1

The Hidden Risk in “Safe” Investment Portfolios

Understanding duration, rate hikes, and why your bond strategy might not match your timeline.

Mar 20 • Nauma

1

Updating Your Financial Plan After a Layoff

Updating projections, adjusting goals, and protecting long-term success

Mar 1 • Nauma

1

February 2026

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