Fermion
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I think for modest portfolios like $1,000,000 you don't even need to worry about taxes, so treat both accounts the same.
Married couple, standard deduction 2 personal exemptions. $10,000 from portfolio in dividends, $15,000 in interest, $15,000 in LTCG. Federal tax paid $0, Florida state tax paid $0.
Married couple, standard deduction 2 personal exemptions. $10,000 from portfolio in dividends, $15,000 in interest, $15,000 in LTCG. Federal tax paid $0, Florida state tax paid $0.