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of $5,500 annual limit
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You might want to consider diversifying with a Roth IRA. Having both Roth (tax-exempt) and traditional (tax-deferred) assets when you retire can give you more flexibility when you withdraw the money.
Use our Roth conversion calculator to see if it’s right for you
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Brokerage Account
Individual
Estimated Capital Gains of $15,410.00

If you’re planning to sell shares before the end of the year, you may want to consider selling some shares at a loss to offset your capital gains. You currently have a loss on the shares listed below. You can see how selling these shares will impact your tax liability.

investment
Purchase date
# of shares
current loss
# of shares to sell
Health Care Stock
(VGHCX)
1/12/13
250
$1,923.00
250
 
7/24/14
200
$574.00
200
 
3/2/15
500
$3,250.00
500
Mid-Cap Growth Stock
(VMGRX)
10/24/12
100
$751.00
100
 
9/29/13
50
$345.00
50
 
12/17/14
200
$1,627.00
200
U.S. Growth Stock
(VWUSX)
2/16/09
500
$962.00
500
 
5/19/11
1000
$1,397.00
1000
 
2/13/13
750
$843.00
750
Net taxable gains
$3,738.00
Long-term gains taxes @ 15%
$560.70
Sell selected shares

You might consider…

Because Vanguard Health Care Fund and Apple Inc distributed a lot of taxable income…

You may want to consider moving your investments in Vanguard Health Care Fund and Apple Inc to a tax-deferred account like an IRA.

Talk to an advisor about this
Because you had a lot of taxable income…

If you’re in one of the highest tax brackets, you may want to consider replacing your investment in the Total Stock Market Index Fund with Vanguard Tax-Managed Capital Appreciation Fund.

Talk to an advisor about this
Because you only have a traditional IRA…

You might want to consider diversifying with a Roth IRA. Having both Roth (tax-exempt) and traditional (tax-deferred) assets when you retire can give you more flexibility when you withdraw the money.

Use our Roth converstion calculator to see if it’s right for you
Because You recently recharacterized an IRA…

You may want to consider speaking with a financial planner to discuss other retirement planning opportunities.

Talk to an advisor about this
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