Pay ZERO Capital Gains With This Strategy

Interested in a custom strategy to retire early?

In this video, I will share strategies for potentially paying zero capital gains taxes, especially if you're planning to retire early.

I discuss the importance of taking advantage of tax planning opportunities before 2026, as potential changes in tax laws could affect your financial future.

I'll walk you through various strategies, including tax-loss harvesting and utilizing tax-advantaged accounts, to help reduce your tax liabilities and make your retirement savings more efficient.

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Time Stamp

00:00 Intro
00:55 What Tax Gain Harvesting
02:20 Example of Tax Gain Harvesting
03:10 Capital Gains Tax Brackets
06:00 Standard Deductions and How They Impact Tax Gain Harvesting
07:00 Tax Gain Harvesting vs. Tax Loss Harvesting
08:10 Capital Gains and Selling a Home
10:20 Tax Loss Harvesting in Retirement
10:55 Example of a Successful Strategy for Tax Gain Harvesting W
11:40 Summary
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Ari Taublieb, CFP®, MBA, is the Vice President of Root Financial Partners (Fiduciary) and host of the Early Retirement Podcast.

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⚠️ "DISCLAIMER:⚠️

All content is not to be received as financial advice, and each individual should consult with their dedicated financial planner, tax preparer, estate attorney, etc., before making any financial decisions.

This video contains content I created and got permission from its creators to use. This Channel DOES NOT Promote or encourage Any illegal activities; all contents provided by This Channel are meant for EDUCATIONAL AND ENTERTAINMENT purposes only.

[kckuc]

After 1000 hrs of watching videos, first time hearing it, love it!

[OchoVerde]

Good stuff, Ari.
A lot of us have been dividend reinvesting for years and have large individual positions. I think this could be useful to help us slowly diversify out of these concentrated positions.

[ManishSabu-cn]

One thing you could have mentioned is that even with 'Tax Gain Harvesting' you still have to pay STATE income taxes even if your Federal taxes are $0.
For example - California does not distinguish between Short-Term and Long-Term capital gains so every dollar of profit is taxed at ordinary rate. So in the example on the video a CA resident would still be on the hook for 8% in state income tax.

[PatsGarageOnline]

Great video. Thanks for educating everyone.

[terenceada]

Need to still be mindful on gains harvesting and ACA. Great video!

[havarez]

To be kinda blunt, I am giving up on investing in stocks... I put between 2000 to 3000 a month and it's nothing but down down.... frustrating and I only invest in boring big companies. What can I realy do?

[larrystorey]

In the example of the person getting $300k in gains from selling her house (so she has $50k after the exclusion) she owes no taxes, but what happens to her healthcare? If she has been getting low cost healthcare due to her low income, does the sale of her house show as $400k of MAGI? She would no longer qualify for the healthcare plan she enrolled in. Does her healthcare subsidy go away? Does she have to payback any subsidy that she received earlier in the year?

[mymusicalsons]

VERY helpful. You speak so clearly, and even I can understand you! 😁

[DaveRoulley]

Also any improvements made to the house can go against gains

[JM-iovb]

When calculating the gain obtained from selling a house, what expenses can be considered in the calculation? Others have commented that you can subtract the cost of home improvements, i.e., if you spent $100K to put an addition on the house, that $100K can be deducted from the overall gain to lower your tax exposure. What about mortgage interest - can that be deducted? Property taxes? Anything else we should look out for?

[woodandtable]

Great video. You can say often as often as you like. 👍

[hPAO-vh]

Does the Early retirement academy help with comparing Roth conversion vs tax gain harvesting? Or do we need to work with an advisor

[SuperThinwhistle]

Question: when you say "if her income is under $47k she won't have to pay capital gains taxes" does this mean that the "income" calculation is based on earned income (excluding the cap gains)? For example, if her income consists solely of Social Security in the amount of $40k, and she takes the standard deduction, she has income of about $26k. But if she sold Apple stock and captured $100, 000 of gains, is she still being taxed at 0% on all $100k? Said differently, does the "income" figure exclude capital gains, or is the $47k/$94k threshold inclusive of cap gains?

[suavicgruzynski]

So if we made combined taxable income just below $94, 050 (from our jobs) and file taxes as MFJ, and sold stocks with realized gains (let’s say $100k) would we pay taxes on those gains ?

[johnc]

If I am making Roth conversions and use my brokerage account to pay for the taxes on those conversions, I need convert less than 47k as a single? person to pay 0% in capital gains?

[billdivine]

I have a regular taxable brokerage account and will have massive long term capital gains tax if I sell anything. Does it even make sense to sell some, pay tax, then buy in a Roth at only $8k per year?

[EdwardAnthony]

I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?