💨 Abstract

An individual discusses their financial strategies and challenges. Main issues include selling vested restricted stock units due to inertia and tax dread, maintaining high cash holdings for peace of mind, and a retirement portfolio heavily tilted towards equities and cash, with a notable lack of bonds. Additionally, the writer highlights asset-location mistakes, particularly holding a high-performing fund in a taxable account, and delays in IRA contributions and Roth conversions. They aim to address these inefficiencies as retirement approaches.

Courtesy: WTOP Staff