This IRS-Approved Tax Strategy Could Save Retirees $100,000+ (Here's How)

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Same investments, different tax bill—why? Most retirees overlook asset location, an IRS-backed strategy that can save $100K+ in retirement taxes. This video breaks down how placing investments in the right accounts—brokerage, IRA, or Roth—can unlock huge savings and smarter tax moves like 0% capital gains and Roth conversions.


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CHAPTERS

00:00 Introduction
00:43 What Is Asset Location?
01:12 Asset Location vs. Asset Allocation
02:05 Understanding the 3 Account Types
02:55 How Non-Qualified Accounts Are Taxed
04:25 How Pre-Tax Accounts Work
05:19 Roth Accounts: Tax-Free Growth & Withdrawals
05:38 The Power of Asset Location
05:51 Meet Tom and Linda: The Case Study
06:47 How Poor Asset Location Adds Unnecessary Taxes
08:15 The Current Tax Situation Breakdown
09:17 Why They’re Maxed Out in the 12% Bracket
09:38 Asset Location Strategy in Action
11:10 Reallocating by Tax Advantage
12:13 Tax Return After Optimization
13:04 Results: Tax Savings from Reallocation
13:47 Why $3K/Year Matters Long Term
14:26 How This Strategy Opens More Tax Opportunities
15:00 Roth Conversions Before RMDs
15:44 0% Capital Gains Harvesting
16:06 Final Thoughts: Long-Term Tax Planning
16:25 Next Step: See It in Your Portfolio


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This video is NOT sponsored.

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