Masters in Business At The Money: Tax Management for Investors
43 snips
Dec 31, 2025 
Bill Artseronian, Director of Tax Services at Ritholtz Wealth Management, dives into the complexities of tax management for investors. He discusses essential strategies like asset location and the benefits of tax diversification. Bill elaborates on the mega backdoor Roth, clarifying how to convert pre-tax funds and avoid tax traps in equity compensation. He also highlights tools for reducing taxes on significant gains and the implications of recent 2025 tax law changes for strategic planning. Timing income and deductions is key to maximizing savings!
AI Snips
Chapters
Transcript
Episode notes
Hold Three Tax Buckets
- Investors should hold three tax buckets: pre-tax, after-tax, and tax-free accounts.
- Tax diversification gives flexibility and reduces forced taxable distributions in retirement.
Implement The Mega Backdoor Roth
- Use the mega (super) backdoor Roth in employer plans to move large after-tax contributions into Roth.
- Ask your HR or CFO if your 401(k) allows after-tax contributions and in-plan or rollover conversions to Roth.
Get Ahead Of Equity-Comp Taxes
- Understand exactly what equity compensation you own and its tax treatment before acting.
- Work proactively with a tax planner to avoid surprise tax bills from RSUs or option exercises.