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personal finance

Washington State Estate Tax Calculator (2025 Version)

April 22, 2025 By Stephen Nelson CPA

Use our free Washington state estate tax calculator to estimate estate taxes.

In mid-2025, Washington adjusted its state estate tax for estates created on or after July 1, 2025. The new version uses a larger, inflation adjusted … [Read more...] about Washington State Estate Tax Calculator (2025 Version)

Filed Under: Estate tax, personal finance

Short-term-rental Tax Tips and Tricks

February 3, 2025 By Stephen Nelson CPA

Short-term-rental tax tips and tricks can save small investors big

Short-term rentals provide some of the easiest and most powerful tax savings opportunities available to investors. You can literally save six figures … [Read more...] about Short-term-rental Tax Tips and Tricks

Filed Under: personal finance, real estate, Short-term rental

Super Safe Withdrawal Rate Calculator

December 13, 2024 By Stephen Nelson CPA

Think about the constant relative risk aversions as akin to differently sized shoes.

The 'super safe withdrawal rate" calculator below estimates certainty-equivalent returns and the Merton share. You can use these … [Read more...] about Super Safe Withdrawal Rate Calculator

Filed Under: investment, personal finance, Red Portfolio Black Portfolio

Merton Share Estimator

December 13, 2024 By Stephen Nelson CPA

Use our Merton Share Estimator to calculate an equity allocation based on current market volatility.

You can use rules of thumb to determine what percentage to allocate to stocks versus bonds. Like "60 percent to stocks and 40 percent to … [Read more...] about Merton Share Estimator

Filed Under: Calculators, investment, personal finance

Roth Calculator

September 25, 2024 By Stephen Nelson CPA

Roth Calculator online tool and backgrounder blog post with instructions and additional information.

The Roth Calculator below helps you determine whether you end up with more retirement income using a Roth IRA or 401(k). Or using a traditional IRA or … [Read more...] about Roth Calculator

Filed Under: Calculators, personal finance, retirement

Backdoor Roth IRAs Really a Smart Idea?

April 2, 2024 By Stephen Nelson CPA

Roth-IRA style accounts won't save most people taxes. Sorry.

Maybe the last ten individual tax returns I’ve signed? They all included a backdoor Roth IRA. That got me thinking: How much tax do you really save … [Read more...] about Backdoor Roth IRAs Really a Smart Idea?

Filed Under: personal finance, retirement

Estimating Investment Portfolio Returns and Values

March 1, 2024 By Stephen Nelson CPA

Investment portfolio returns can't be predicted with a crystal ball.

Over the last few months, I've encountered investors, advisors and even some financial writers struggling to make or suggest good estimates of future … [Read more...] about Estimating Investment Portfolio Returns and Values

Filed Under: investment, personal finance, retirement

Monte Carlo Safe Withdrawal Rates for Low Expected Returns

February 1, 2024 By Stephen Nelson CPA

Monte Carlo simulation safe withdrawal rates solve a tricky planning problem.

I read Antti Ilmanen’s book recently, “Investing Amid Low Expected Returns.” Ilmanen, like many other observers, expects low real returns from stocks, … [Read more...] about Monte Carlo Safe Withdrawal Rates for Low Expected Returns

Filed Under: personal finance, Red Portfolio Black Portfolio, retirement

Monte Carlo Simulations Show How Bonds Dampen Investment Risk

December 13, 2023 By Stephen Nelson CPA

Use Monte Carlo simulations to highlight benefits of adding bonds

Figuring out how much bonds dampen investment risk? Sometimes tricky. You hear people offer bromides. Like "bonds provide ballast." Or "bonds … [Read more...] about Monte Carlo Simulations Show How Bonds Dampen Investment Risk

Filed Under: investment, personal finance, Red Portfolio Black Portfolio

Wealth Building Insights from Latest Federal Reserve Study

November 1, 2023 By Stephen Nelson CPA

Federal Reserve study suggests two wealth building insights

The Federal Reserve's newest Survey of Consumer Finances provides at least a couple of big, actionable, wealth building insights. Ironically, much … [Read more...] about Wealth Building Insights from Latest Federal Reserve Study

Filed Under: entrepreneurship, personal finance

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Featured Posts

Washington state estate tax pushes wealthy residents to consider estate planning options.

Planning for the 35% Washington State Estate Tax

Washington state levies an estate tax of up to 35% on estates of decedents dying on or after July 1 2025. That new rate is by far the highest estate … [Read More...] about Planning for the 35% Washington State Estate Tax

the new Washington state professional services sales tax starts October 1, 2025.

Washington State Professional Services Sales Tax

Starting October 1, 2025, Washington State levies a sales tax on many, maybe most, business professional services. Thus, if you’re a business … [Read More...] about Washington State Professional Services Sales Tax

Washington state qualified family-owned business interest deduction

Washington’s Qualified Family-Owned Business Interest Estate Tax Deduction: Updated for 2025

Washington state taxes the estates of high-net-worth residents and high-net-worth nonresidents who own property in the state. The tax rates start at … [Read More...] about Washington’s Qualified Family-Owned Business Interest Estate Tax Deduction: Updated for 2025

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