Cut Your Retirement Taxes in Half

Inside your 401(k) could be one of the IRS’s most powerful and misunderstood tax breaks — the NUA rule (Net Unrealized Appreciation).

For long-time employees holding company stock inside their retirement plan, this little-known strategy can mean the difference between paying 37% in taxes… or far less.

In this episode, Gabriel Shahin, CFP®, reveals how the NUA strategy works, when to use it, and the costly mistake most people make when rolling over their 401(k)s.

You’ll learn:
• What “Net Unrealized Appreciation” actually means — and how it transforms your company stock’s tax treatment
• The difference between rolling into an IRA vs. moving shares into a brokerage account
• How one decision could save hundreds of thousands in retirement taxes
• The critical IRS events that make you eligible (retirement, job change, disability, death)
• Why you must take a lump-sum distribution to qualify
• Real-world examples showing how smart employees saved $90,000+ in taxes
• When NUA doesn’t make sense — and how to know if you should skip it

Key insight: Once company stock leaves your 401(k) and goes into an IRA, the NUA opportunity is gone forever.
Before you roll over, understand your cost basis, calculate the potential savings, and plan with intent.



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Disclaimer: Advisory services are offered through Falcon Wealth Planning, an SEC registered investment adviser. The views expressed in this op-ed are solely those of the author and do not necessarily reflect the opinions or policies of Falcon Wealth, its editors, or any affiliated entities. Any information provided herein is for informational purposes only and should not be construed as professional advice. Please consult a qualified financial professional for personalized guidance.