Tax-Loss Harvesting Explained
What tax-loss harvesting is, how the wash-sale rule limits it, when it adds the most value, and the practical mechanics of using realized losses to offset gains or ordinary income.
Tax Planning
Tax Planning
Roth Conversion Windows: Timing for Long-Term Tax Savings
How retirees and pre-retirees identify low-bracket years to convert traditional retirement balances to Roth — a strategy aimed at reducing lifetime taxes and future RMD exposure.
Retirement
Required Minimum Distributions (RMDs): What Retirees Need to Know
What Required Minimum Distributions are, when they start, how they are calculated, and the most common strategies retirees use to manage the tax impact.
Retirement
Healthcare Costs in Retirement: What to Plan For
A clear-headed look at the categories of healthcare costs retirees face — Medicare, supplements, prescriptions, dental, vision, and long-term care — and how to plan for each.
Retirement
When to Take Social Security: A Practical Framework
A balanced framework for thinking through when to file for Social Security retirement benefits, including how delayed credits, spousal benefits, and life expectancy can shape the decision.
Financial Planning
How to Choose a Financial Advisor: A 7-Question Checklist
Not all financial advisors are the same. The right questions reveal whether someone is held to a fiduciary standard, how they're paid, and whether their approach fits your goals.
Financial Planning Articles & Insights
The My 360 Wealth Management Resource Center is built to help individuals, families, and business owners think clearly about long-term financial decisions. The articles here are written in plain English and cover the topics that come up most often in our client conversations — retirement income planning, tax planning, investment management, estate planning, and the practical decisions that come with each stage of life.
Retirement Planning
Retirement planning articles cover the questions that drive most retirement decisions: when to claim Social Security, how to manage healthcare costs in retirement, what required minimum distributions (RMDs) are, and how to think about sustainable withdrawal strategies. The right answer is rarely a single number — it depends on income mix, tax brackets, healthcare assumptions, and life expectancy.
Tax Planning
Tax planning articles focus on multi-year strategy rather than April filing. Topics include Roth conversion windows during low-bracket years, tax-loss harvesting and the wash-sale rule, IRMAA (Medicare premium surcharges), and how charitable giving can be timed for maximum benefit. Tax planning is one of the highest-return activities in financial planning, and small changes in approach often compound over decades.
Investing & Portfolio Management
Investment articles explain the building blocks of a long-term portfolio: asset allocation, diversification, the role of bonds, rebalancing discipline, and how to manage concentrated stock positions. They lean toward the evidence-based, low-cost, long-horizon approach we use with clients.
Why we publish this
We believe better financial decisions come from better education. The articles here are not personalized advice, and every situation is different — but a clear vocabulary and a few well-chosen frameworks go a long way. If a topic raises questions for your own situation, we are happy to talk.