Build wealth after taxes.
Frameworks and calculators for better after-tax wealth decisions.
Tax-aware investing, real estate, retirement, and planning systems for high-income professionals and analytical investors.
Core principle: Tax savings are the optimizer, not the strategy. Every analysis starts with pre-tax economics. A bad investment does not become good because of a deduction.
What's here
Frameworks and tools across four areas of after-tax wealth.
Tax-Aware Investing
Asset location, ETF tax drag, tax-loss harvesting, and dividend efficiency.
High-Income Tax Planning
401k, HSA, backdoor Roth, mega backdoor Roth, DAF bunching, RSU timing.
Real Estate Tax Strategy
Depreciation, cost segregation, STR rules, REP status, 1031 exchange.
Calculators
Rental property after-tax return, ETF tax drag, TLH savings, RSU sell vs hold.
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The decision framework
Every strategy on this site gets evaluated on the same criteria — not just the tax benefit:
- 1. What are the pre-tax economics?
- 2. What is the after-tax return?
- 3. What is the risk-adjusted return?
- 4. What is the liquidity cost?
- 5. What is the complexity and admin burden?
- 6. What is the audit and legal risk?
- 7. What is the opportunity cost versus simple index investing?