Category: Tax Planning and Strategies

NJ Inheritance Tax in 2026, Who Pays, How Much, and How to Plan for It

NJ has no estate tax, but its inheritance tax still reaches siblings, nieces, nephews, and friends at 11%…

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The NJ Exit Tax and Capital Gains, What You Owe When You Sell or Move

The NJ exit tax is a prepayment, not a separate tax. What sellers pay at closing, how NJ…

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Asset Location Strategy: Which Investments Belong in Which Account

Asset location is where each investment sits across your 401(k), Roth, taxable brokerage, and HSA. The same holding…

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The 401(k) Catch-Up Rule That Quietly Changed for High-Net-Worth Women

Earned over $150,000 in 2025? Your 2026 401(k) catch-up contributions must now be Roth. What the SECURE 2.0…

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The Inherited IRA 10-Year Rule: How to Draw Down a $1.2 Million IRA When You Are Still Earning $400,000

Inherited IRA 10-year rule, 2026: when annual RMDs apply, the 25% penalty, and four ways to draw down…

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Does NJ Tax Your Pension? How the Retirement Income Exclusion Works With $2 Million Saved

The NJ retirement income exclusion explained for 2026: the $75,000 and $100,000 limits, the two income steps, what…

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Retiring With $2 Million vs $5 Million: What Women Actually Keep After Tax

$2 million nets about $12,377 a month and $5 million about $21,414, 2.5 times the portfolio for 1.7…

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If You Have $3 Million and All of It Is Pre-Tax, Here Is the Tax Bill Waiting at 75

A $3M pre-tax 401(k) means an RMD near $183,000 at 75, taxed Social Security, and a Medicare surcharge…

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Retiring in a High-Tax State: What New Jersey, New York, and California Actually Cost a Woman With $3 Million

New Jersey, New York, and California each tax a $3M retirement differently. The 2026 exclusions, the NJ $150,000…

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Estimated Tax Payments on RSUs, Stock Sales, and Roth Conversions: The 2026 Guide for High-Net-Worth Women

RSU vests, stock sales, and Roth conversions in one year can leave you underpaid by six figures. The…

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