Thanks, EricGold, for the additional perspective!
This is something I need to dig into more and obviously a significant consideration. In my case, it is not only the 401-Ks and IRAs but also a NQDC plan that has grown significantly over the years due to aggressive contribution. Since all these were outside the scope of PAS (for now), it made the PAS fee a little bit more annoying since these complexities weren't factored in. The NQDC especially is a more short-term consideration in my view, to which the PAS is completely "blind" and has nothing to contribute to.My only thought is that the pre-tax account might benefit from expertise more than the post-tax account. Not so much in terms of asset allocation, but from a Roth multi-year conversion strategy. I'm also by my choice the manager of our savings, and I've been truly impressed by the Roth conversion strategy value. I've been using the Projection Labs' Modeling software. Starting from a $5.5M tIRA, I'm seeing close to a $2.5M higher end balance value (excluding QCDs) with Roth after 20 years of modeling. I value a Roth $ at 1.0, a brokerage $ at 0.85, and a tIRA dollar at 0.6
Statistics: Posted by nyseeker — Tue Jul 09, 2024 10:25 am — Replies 26 — Views 1541