Fiduciary investment management and financial planning from Williamson County, TN. Simple 0.85% fee. Assets custodied at Charles Schwab.https://www.wilcofin.com/en-ushttps://www.wilcofin.com/articles/zero-percent-ltcg-bracket/https://www.wilcofin.com/articles/zero-percent-ltcg-bracket/Long-term capital gains can be taxed at zero percent at the federal level. The income threshold is wider than most people realize, and the planning value is significant for early retirees and lower-income years.Sat, 18 Apr 2026 00:00:00 GMTTax PlanningRetirementhttps://www.wilcofin.com/articles/roth-conversion-decade/https://www.wilcofin.com/articles/roth-conversion-decade/The years between retirement and required minimum distributions are often the highest-leverage tax-planning window of a lifetime. Here's how to think about Roth conversions during it.Wed, 18 Mar 2026 00:00:00 GMTRetirementTax PlanningRothhttps://www.wilcofin.com/articles/asset-location/https://www.wilcofin.com/articles/asset-location/Holding the same portfolio in the wrong account types can cost real money over a lifetime. The principle is simple — the execution is where most plans go wrong.Wed, 18 Feb 2026 00:00:00 GMTTax PlanningInvestmentshttps://www.wilcofin.com/articles/fee-only-label/https://www.wilcofin.com/articles/fee-only-label/"Fee-only" sounds clean — no commissions, aligned interests. In practice, the term is self-described and unregulated. Here's how to actually verify.Sat, 17 Jan 2026 00:00:00 GMTFeesFiduciaryhttps://www.wilcofin.com/articles/sequence-of-returns-risk/https://www.wilcofin.com/articles/sequence-of-returns-risk/The same average return can produce wildly different retirement outcomes depending on the order of the years. Why the first decade after retirement matters disproportionately — and what to do about it.Thu, 18 Dec 2025 00:00:00 GMTRetirementInvestmentshttps://www.wilcofin.com/articles/concentrated-stock-position/https://www.wilcofin.com/articles/concentrated-stock-position/Holding too much of one company — typically your employer or an inherited holding — is one of the most common sources of avoidable risk in HNW portfolios. The unwind is harder than it looks.Tue, 18 Nov 2025 00:00:00 GMTTax PlanningInvestmentshttps://www.wilcofin.com/articles/questions-to-ask-an-advisor/https://www.wilcofin.com/articles/questions-to-ask-an-advisor/Ten direct questions that reveal more about a prospective financial advisor than any marketing page. And what the honest answers sound like.Sat, 18 Oct 2025 00:00:00 GMTWorking With AdvisorsFiduciaryhttps://www.wilcofin.com/articles/donor-advised-funds/https://www.wilcofin.com/articles/donor-advised-funds/A donor-advised fund decouples the timing of your tax deduction from the timing of your charitable giving. For most high earners doing meaningful giving, it's the right tool — and it's nearly free.Thu, 18 Sep 2025 00:00:00 GMTCharitable PlanningTax Planninghttps://www.wilcofin.com/articles/tax-loss-harvesting/https://www.wilcofin.com/articles/tax-loss-harvesting/The mechanics of tax-loss harvesting — and an honest look at when the tax savings are real, when they're overstated, and when it doesn't apply at all.Mon, 18 Aug 2025 00:00:00 GMTTax PlanningWorking With Advisorshttps://www.wilcofin.com/articles/qcds-explained/https://www.wilcofin.com/articles/qcds-explained/Qualified charitable distributions let you give from your IRA tax-free, satisfy your RMD, and preserve other deductions. For charitable retirees, it's almost always the most efficient way to give.Fri, 18 Jul 2025 00:00:00 GMTCharitable PlanningTax PlanningRetirementhttps://www.wilcofin.com/articles/beneficiary-designations-mistake/https://www.wilcofin.com/articles/beneficiary-designations-mistake/The most expensive estate planning mistake we see isn't a missing will or an unfunded trust. It's the beneficiary designations on retirement accounts and life insurance — and almost every household has at least one wrong one.Wed, 18 Jun 2025 00:00:00 GMTEstate Planninghttps://www.wilcofin.com/articles/how-advisor-fees-actually-work/https://www.wilcofin.com/articles/how-advisor-fees-actually-work/The advisory fee you see on the proposal is often only part of what you're paying. Learn how to read a fee structure and calculate your true all-in cost.Sun, 18 May 2025 00:00:00 GMTFeesWorking With Advisorshttps://www.wilcofin.com/articles/bunching-charitable-deductions/https://www.wilcofin.com/articles/bunching-charitable-deductions/The 2017 doubling of the standard deduction made annual charitable giving tax-invisible for most households. Bunching multiple years of giving into one tax year solves it.Thu, 17 Apr 2025 00:00:00 GMTTax PlanningCharitable Planninghttps://www.wilcofin.com/articles/backdoor-roth-explained/https://www.wilcofin.com/articles/backdoor-roth-explained/Two legal strategies that let high earners put meaningful dollars into Roth accounts despite income limits. The mechanics, the traps, and when they're worth doing.Tue, 18 Mar 2025 00:00:00 GMTRothTax Planninghttps://www.wilcofin.com/articles/step-up-in-basis/https://www.wilcofin.com/articles/step-up-in-basis/Holding appreciated assets until death wipes out the embedded capital gains tax for your heirs. Most people know that. The planning question is which assets to hold, which to sell, and when.Tue, 18 Feb 2025 00:00:00 GMTEstate PlanningTax Planninghttps://www.wilcofin.com/articles/pilot-roth-conversion/https://www.wilcofin.com/articles/pilot-roth-conversion/Airline pilots often have an unusually clean Roth conversion window — if they know when it opens and when it closes. The planning rules that matter most for Age 65 retirees.Sat, 18 Jan 2025 00:00:00 GMTPilotsSouthwest AirlinesRothRetirementTax Planninghttps://www.wilcofin.com/articles/fiduciary-vs-suitability/https://www.wilcofin.com/articles/fiduciary-vs-suitability/Not every 'financial advisor' is legally required to act in your best interest. Here's the difference between the fiduciary and suitability standards — and how to verify which one applies to you.Mon, 18 Nov 2024 00:00:00 GMTFiduciaryWorking With Advisorshttps://www.wilcofin.com/articles/when-pilot-should-move-states/https://www.wilcofin.com/articles/when-pilot-should-move-states/Many pilots have meaningful flexibility on where to live. Over a 25-year career, the difference between a no-tax state and a high-tax state can run into seven figures. Here's the realistic framework.Fri, 18 Oct 2024 00:00:00 GMTPilotsSouthwest AirlinesTax Planninghttps://www.wilcofin.com/articles/trusts-vs-beneficiary-designations/https://www.wilcofin.com/articles/trusts-vs-beneficiary-designations/Most households have both a trust and a stack of beneficiary designations. The two often disagree — and the beneficiary form wins. Here's how to make them work together.Wed, 18 Sep 2024 00:00:00 GMTEstate Planninghttps://www.wilcofin.com/articles/pilot-loss-of-license/https://www.wilcofin.com/articles/pilot-loss-of-license/What LOL coverage actually pays, what SWAPA provides, and the outside coverage decisions that matter most for pilots at peak earning years.Sun, 18 Aug 2024 00:00:00 GMTPilotsSouthwest Airlineshttps://www.wilcofin.com/articles/social-security-two-earners/https://www.wilcofin.com/articles/social-security-two-earners/When both spouses worked, Social Security claiming becomes a coordination problem. The right strategy depends on the income gap, age gap, and health expectations — and the wrong default can cost a household hundreds of thousands.Thu, 18 Jul 2024 00:00:00 GMTRetirementhttps://www.wilcofin.com/articles/all-in-cost/https://www.wilcofin.com/articles/all-in-cost/The advisory fee on the proposal is usually only one layer of what you're paying. A straightforward method for calculating your real all-in cost — and what a reasonable number looks like.Tue, 18 Jun 2024 00:00:00 GMTFeesWorking With Advisorshttps://www.wilcofin.com/articles/swa-profit-sharing-decision/https://www.wilcofin.com/articles/swa-profit-sharing-decision/Southwest Airlines pilots and employees with access to all three contribution buckets face a real planning question every year. The right mix depends on age, income, marginal bracket, and what comes next.Sat, 18 May 2024 00:00:00 GMTPilotsSouthwest AirlinesTax PlanningRothRetirementhttps://www.wilcofin.com/articles/swa-pilot-retirement-essentials/https://www.wilcofin.com/articles/swa-pilot-retirement-essentials/The retirement-planning items every SWAPA-represented Southwest Airlines pilot should be thinking about — from Age 65 to the 401(k) to state-of-residence planning.Thu, 18 Apr 2024 00:00:00 GMTSouthwest AirlinesPilotsRetirement