Life Money USA
Decision-stage tax and financial planning content for major US life events.
Featured guides
Decision-stage guides covering the highest-yield US tax-planning questions: founder QSBS, inherited-stock step-up, layoff 401(k) rollover, Roth conversion timing, and equity-comp tax.
QSBS Section 1202 Exclusion: $10M Tax-Free
Founders can exclude up to $10M (or 10x basis) from federal capital-gains tax.
Step-Up Basis on Inherited Stock
How the section 1014 basis step-up wipes out lifetime appreciation.
401(k) Rollover After Layoff Decision
Stay vs roll-to-IRA vs roll-to-new-employer trade-offs.
Roth Conversion Ladder
Convert traditional balances tax-efficiently across multiple years.
RSU Vesting Tax Calculator
Sell-at-vest vs hold modeling for equity-compensation employees.
Eight planning verticals
Coverage organized into the eight verticals where decision-stage tax planning matters most for US households and small-business owners.
Divorce Financial Planning
Asset division, QDRO drafting, alimony tax treatment, and post-decree financial reconstruction for high-asset US divorces.
Inheritance & Estate Planning
Inherited account handling, step-up basis, federal and state estate-tax planning, and probate-avoidance strategy.
Business Sale Planning
QSBS Section 1202 exclusion, installment sales, F-reorganizations, and post-sale wealth structuring for US business owners.
Severance & Job Loss Planning
Severance-package optimization, 401(k) rollover, COBRA decisions, and equity-comp unvest analysis for laid-off US employees.
Retirement Income Planning
Social Security timing, Roth conversion ladders, RMD strategy, and decumulation planning for pre-retirees and retirees.
Equity Compensation Planning
RSU, ISO, NSO, ESPP, and 83(b) tax planning for tech, biotech, and pre-IPO employees navigating equity-heavy compensation.
Small Business & Self-Employed Tax Planning
Solo 401(k), SEP IRA, S-corp election, QBI deduction, and entity-structure planning for self-employed professionals and small-business owners.
Real Estate Investor Planning
1031 exchanges, depreciation strategy, opportunity zones, and entity structuring for residential and commercial real-estate investors.
Major US metros covered
Each metro page combines federal rules with state-tax and local-economy patterns specific to that city's residents.
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