Evergreen guides on the decisions that shape a household's finances, written in plain language for California families, each with the current year's figures and the sources behind them.
Atom feedWhat happens when you inherit an IRA, how the SECURE Act 2.0 10-year rule and RMDs work, and how step-up in basis applies to inherited homes and accounts, including California's community property rules.
Nyle Bayer · September 10, 2026 · 14 min read
A plain-language comparison of traditional and Roth IRAs for California pre-retirees, covering deductions, income limits, the backdoor Roth, RMDs, and state tax treatment.
Nyle Bayer · September 8, 2026 · 11 min read
A plain-English guide for California families with $1 million to $8 million in assets on the estate planning issues that actually apply to them in 2026, none of which involve the federal estate tax.
Nyle Bayer · September 3, 2026 · 12 min read
ISOs, RSUs, and concentrated stock each carry different tax rules and risks. This guide covers exercise timing, AMT planning, RSU vesting strategies, 10b5-1 plans, and diversification approaches with current 2026 figures.
Nyle Bayer · August 28, 2026 · 11 min read
A pre-retiree's guide to Roth conversion strategy: timing, tax bracket management, the five-year rule, sequencing, and California tax rules.
Nyle Bayer · August 26, 2026 · 11 min read
A California resident who sells a concentrated position at the 15% federal long-term rate can still owe more than twice that once the state and the surtax are layered on, and most of the planning options close the day the sale does.
Nyle Bayer · August 24, 2026 · 10 min read
Your accounts are rarely the hard part of retirement, the sequencing is, and this guide walks through which dollar comes out first and why.
Nyle Bayer · August 24, 2026 · 10 min read
Why a handful of companies create most of the stock market's wealth, why that concentration is normal and cyclical, and how long-term investors own durable companies broadly and hold through 50 percent drawdowns.
Nyle Bayer · July 7, 2026 · 7 min read