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I am a simple traveler and spend the majority of my time outside of the US in places where the cost of living is a pittance. I have no liabilities of which to speak. I don't pay Federal income tax, if I can help it, and absolutely don't pay State tax of any sort except for vehicle registrations...

Unfortunately, I've already harvested LTCG in a lump sum where I should have left it alone and reaped the benefit over time. At least now, I can sprinkle some of the gains here and there. Dividends generate a taxable event whereas LTCG are taxed at 0%, given a few conditions. I think that i will...

That said, it was a mistake to sell those holdings and take the gains when instead, I could have left it alone and siphoned off a little at a time at 0% tax as long as the sale was within the LTCG tax bracket.

Yes, I am focused on income; however, I don't intend to put all my eggs in one basket. I intend to leave at least 50% of my brokerage holdings allocated towards growth-focused index funds.

The advisor is free from my brokerage firm. I've caught on to the fact that they constantly try to sell me something and may not provide the most sound advice. Hence, I'm here asking for a second opinion of sorts.

Greetings. Short-time lurker. First-time poster. Here are some details upon which to base any evaluation. Age: 47 Brokerage: $1.2M (includes $60k emergency reserve) Roth: $137k IRA1: $565k (potential candidate for 72t distributions) IRA2: $20k (emergency fund) Crypto: $50k Liabilities...