Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Retirement planning with basis
Old 11-11-2018, 07:06 PM   #1
Thinks s/he gets paid by the post
Join Date: Dec 2014
Posts: 2,342
Retirement planning with basis

I've been working on planning multi-year roth conversions and included the tax basis in all accounts that made sense. I then thought about the the retirement income planners. I don't recall that any of those I've used took tax basis into account.

In taxable accounts and TIRAs tax basis can have some affect.

Having 1 MM in a taxable account is nice. With a tax basis of of 1 MM would be nicer. Same with TIRA's basis as it reduces taxes due upon withdraw.

Is anyone aware of a retirement planner that accounts for embedded tax basis?

bingybear is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 11-11-2018, 07:11 PM   #2
Full time employment: Posting here.
corn18's Avatar
Join Date: Aug 2015
Posts: 584
i-orp allows you to enter your basis and takes that into account when calculating taxes.

corn18 is offline   Reply With Quote
Old 11-11-2018, 07:14 PM   #3
Thinks s/he gets paid by the post
flintnational's Avatar
Join Date: Mar 2008
Location: Atlanta Suburb
Posts: 1,350
I am not sure if it will provide the data you need, but it looks like ORP (see the "Extended ORP" tab) captures cost basis for taxable accounts.
"Oh, twice as much ain't twice as good
And can't sustain like one half could
It's wanting more that's gonna send me to my knees" - John Mayer
flintnational is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
when estate planning and medicaid planning collide mathjak107 FIRE and Money 46 10-03-2017 02:33 PM
Pre-Retirement Then Post-Retirement Income Transition Planning LongTerm FIRE and Money 43 08-04-2014 11:01 AM
Planning vs. over-planning for retirement ER Eddie Life after FIRE 49 11-09-2013 07:04 PM
Vanguard STAR Fund as basis for SWR Retirement Hydroman FIRE and Money 11 04-26-2006 02:47 PM

» Quick Links

All times are GMT -6. The time now is 06:36 AM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2019, vBulletin Solutions, Inc.