Separating Value From Bias

#23: Navigating the Estate Tax Effectively

Like all things financial planning, being proactive in your thinking and planning with regards to your estate tax liabilities can save tens of millions…

Sep 24 • 

Rajiv Rebello

#22: How to Get a $5 Billion Roth IRA

In 1999 Peter Thiel made a brilliant tactical decision with $2,000 that would end up saving him over $2 billion in income taxes

Sep 10 • 

Rajiv Rebello

2

August 2025

#21: How Much Would You Pay to Save on Taxes and Reduce Volatility in Your Retirement Portfolio?

For those in high tax-brackets, the tax-savings alone more than makes up for the cost of the IUL wrapper

Aug 28 • 

Rajiv Rebello

1

July 2025

#20: The Case for the IUL: Increasing the equity allocation of your portfolio while reducing taxation and volatility

Giving up short-term return to reduce volatility and taxation ends up being a long-term win for clients in high tax brackets who know what they are…

Jul 9 • 

Rajiv Rebello

2

May 2025

#19: The 351 Exchange: Diversifying A Concentrated Portfolio without Taxation

How my client saved $400k+ by diversifying their concentrated portfolio without taxation

May 28 • 

Rajiv Rebello

3

1

April 2025

18_The Chord Progression of Wealth Management: Unrealized gains, the Tax-Code, and Step-Up in Basis

How the Wealthy Use the Tax Code to Maximize After-Tax Growth

Apr 30 • 

Rajiv Rebello

1

#17: From Creating Wealth to Managing Wealth

Sometimes the biggest roadblock between graduating from creating wealth to managing wealth is our inability to change how we look at ourselves and the…

Apr 9 • 

Rajiv Rebello

1

March 2025

#16: Why “Commission Free” Products and “Fiduciary” Advisors Aren’t Always as Great as They Sound

If commissionable products are better for the client and “fiduciaries” don’t use them because they don’t fit their business model, being a “fiduciary…

Mar 5 • 

Rajiv Rebello

1

February 2025

#15: The Guaranteed Lifetime Income Annuity: The Optimal Retirement Planning Tool for Bond Investing

The GLI provides a more tax-efficient, risk-adjusted way to invest in bonds for retirement planning purposes than a taxable account does

Feb 12 • 

Rajiv Rebello

1

January 2025

#14: The Problem With Bond Taxation for HNW Clients

Investing in taxable bonds as a retirement strategy for HNW clients stops making mathematical sense due to the large drag taxes play on bond returns.

Jan 22 • 

Rajiv Rebello

December 2024

#13 Why Is My Retirement Portfolio So Bond Heavy as I Age?

If you're in your 50s and allocating to a target date fund or general retirement portfolio, you'll notice your portfolio start to have a heavier bond…

Dec 4, 2024 • 

Rajiv Rebello

August 2024

#12: Why You're Not Using Bonds Properly As An Equity Hedge--Unless You're Using Life Insurance Products

The interest rate risk of bonds negates the value of using them as a long-term hedge against equity risk. Life insurance and annuity products provide…

Aug 7, 2024 • 

Rajiv Rebello

2