Tax Strategy Archives - The Savvy Investor's Guide

Investment Strategies, Tax Strategy, Tax-Efficient Investing, UK Investing
Tax-Loss Harvesting Strategy Guide (2025): Complete US & UK Implementation for DIY Investors
19 November 2025
Master tax-loss harvesting strategies for both US and UK markets. Complete guide to wash-sale rules, ETF pairs, and automated vs manual approaches.
Read more: Tax-Loss Harvesting Strategy Guide (2025): Complete US & UK Implementation for DIY Investors
IRAs & Tax-Advantaged Accounts, Retirement Planning, Tax Strategy
The Complete 401(k) Optimization Playbook for 2025
16 November 2025
Master every aspect of 401(k) optimization for 2025 with contribution limits up to $34,750 for ages 60-63, mega backdoor Roth strategies allowing $70,000 annual contributions, Traditional vs Roth decision frameworks, expense ratio analysis, and SECURE 2.0 provisions. This comprehensive guide includes investment selection strategies, poor-plan recognition, rollover decisions, and asset location optimization to add hundreds…
Read more: The Complete 401(k) Optimization Playbook for 2025
Backdoor Roth, IRAs & Tax-Advantaged Accounts, Retirement Planning, Tax Strategy
Backdoor Roth IRA: Step-by-Step Guide (2025)
14 November 2025
Earn too much for a Roth IRA? The backdoor Roth strategy lets high earners contribute $7,000-$8,000 annually despite income limits. This complete guide walks you through every step for Fidelity, Vanguard, and Schwab, explains the pro-rata rule with real calculations, and shows you exactly how to file Form 8606.
Read more: Backdoor Roth IRA: Step-by-Step Guide (2025)
Investment Guides, IRAs & Tax-Advantaged Accounts, Retirement Planning, Tax Strategy
Solo 401(k) Complete Guide for Self-Employed Workers (2025)
13 November 2025
Self-employed workers can contribute up to $70,000 ($73,500 if 50+) to a Solo 401(k) in 2025, far exceeding SEP IRA and SIMPLE IRA limits. This comprehensive guide covers eligibility, provider comparison, setup process, contribution strategies, and advanced tactics including mega backdoor Roth options within Solo 401(k) plans.
Read more: Solo 401(k) Complete Guide for Self-Employed Workers (2025)
Investment Strategies, IRAs & Tax-Advantaged Accounts, Retirement Planning, Tax Strategy
Mega Backdoor Roth: Complete Implementation Guide (2025)
12 November 2025
High earners can contribute an additional $46,500 to Roth accounts in 2025 through the mega backdoor Roth strategy. This comprehensive implementation guide provides step-by-step instructions, employer plan compatibility checks, provider-specific walkthroughs, and troubleshooting for every common mistake.
Read more: Mega Backdoor Roth: Complete Implementation Guide (2025)
Investment Strategies, IRAs & Tax-Advantaged Accounts, Retirement Planning, Tax Strategy
HSA Investment Strategy: How to Use the Triple Tax Advantage for Retirement
11 November 2025
Only 13% of HSA owners invest their funds, missing out on substantial tax-free growth potential. A 30-year-old investing $4,150 annually could accumulate over $400,000 tax-free by retirement. This comprehensive guide shows you exactly how to implement the triple tax advantage strategy, compare top HSA providers, decide between cash and investments, and maximize your HSA as…
Read more: HSA Investment Strategy: How to Use the Triple Tax Advantage for Retirement
Investment Guides, Investment Strategies, IRAs & Tax-Advantaged Accounts, Retirement Planning, Tax Strategy
Roth IRA vs Traditional IRA: Complete 2025 Comparison Guide (With Calculator)
16 October 2025
Choosing between a Roth IRA and Traditional IRA isn’t just about current versus future taxes—it’s a decision that could impact your retirement wealth by $100,000 or more. In 2025, with contribution limits holding at $7,000 ($8,000 for ages 50+) but income thresholds increasing significantly, understanding which account type suits your situation has never been more…
Read more: Roth IRA vs Traditional IRA: Complete 2025 Comparison Guide (With Calculator)