Name: Don't let emotions get in the way of making wise investments!
Uploaded: 2026-06-23T21:42:26Z
Duration: 1 min 3 s
Channel: Lyndon L Davis
Description: Once upon a time in a small village, family members would bathe using a single tub of water. The father would take the first bath and then the rest of the family would follow using the same water due to a lack of fresh supply. By the time it was baby's turn, the water was murky and filled with grime

Portfolio optimization is about pairing assets to manage volatility - not collecting winners. Rebalance towards profits rather than panic.

Pay yourself first, last, and always! Becoming a world class saver will enable you to reach financial goals ahead of schedule!

Your portfolio has a gross return and a net after tax return. The gap between them is tax drag. For most women with $1.5 million across multiple accounts, that gap is bigger than it has to be. Here's why. The same allocation is sitting in every account, your 401k, your Roth, your taxable brokerage. It feels organized, it's actually expensive. Bonds in a taxable account get hit by ordinary income tax every year. Stock index funds in an IRA convert preferential capital gains rates into ordinary income at withdrawal. Two inefficiencies compounding quickly for decades, tax inefficient holdings, bonds, REIs belong in tax deferred accounts, high growth holdings belong in the Roth, where they're tax-free forever, tax efficient index funds belonging taxable where you control the timing. Same allocation, different placements. It's the closest thing to a free raise the tax code allows. Most portfolios miss it because the question never gets asked. If this is something you're navigating, let's talk.

https://media.advisorcheck.com/transcripts/6233372/6a0606446e449a2ffb4d8415/ac-6a0606446e449a2ffb4d8415-1785776549864.vtt

Losing money on purpose is one of the most underused tools in a $1.5 million dollar portfolio. It's called tax loss harvesting and most women I meet aren't doing it on a schedule. Here's how it works. Every year, some positions in your taxable brokerage are down, even when the overall market is up. You sell the losing position, by a similar but not substantially identical replacement, and bank a tax loss without meaningfully changing your portfolio's exposure. That loss offsets capital gains elsewhere. A stock you sold for a profit, a mutual funds year-end distribution, a property sale next year, up to $3000 of net losses can also offset ordinary income each year. The rest carries forward. Indefinitely. Most women miss this lever entirely. Target date funds can't do it. 401ks don't allow it. Only taxable accounts work. If your wealth sits mostly in pre-tax retirement accounts, you don't have access to this tool at all. It's not exotic, it's not aggressive. It's a structural optimization used systematically only by the people who know to look for it. If this is something you're navigating, let's talk.

https://media.advisorcheck.com/transcripts/6233372/69fe3a3d0efe025bb43afda0/ac-69fe3a3d0efe025bb43afda0-1785776670576.vtt

Oftentimes I'm asked, why am I not doing as well as the market in the portfolio that you're managing for me? Well, oftentimes I'm being compared to the S&P 500, which is 100% equities, stocks, portfolios that we're managing have alternative investments in them. We have bonds, we have real estate. We have many different types of investments that are meant to ride the markets and give you the best returns. Over a period of time that also includes the risk tolerance that you have. If you're unable to take big swings, don't be 100% in equities. Do what the professionals say and have a portfolio that's well-balanced. You can sleep at night, and over the long term, you'll get the best results. If you're looking for help on this topic or any other financial topic, feel free to reach out to me or give me a call at 847-894. 2299 or email me at jim@jbnash.com and I'll be happy to give you some help.

https://media.advisorcheck.com/transcripts/839995/6a2ad8beb626a21d1aca36d6/ac-6a2ad8beb626a21d1aca36d6-1785777020110.vtt

Portfolio optimization isn't about chasing winners—it's about aligning your investments with your goals, time horizon, and risk tolerance, then rebalancing regularly to stay on track.

Hello and welcome to another weird Wednesday where we look at the odd things that people do, especially when it concerns their money. Squatter's rights seems to be one of the weirdest laws known to mankind. So check this. Flash Shelton had squatters move into his home during the process of selling it, and get this, claimed that they were the victims and had a right to his home. So Flash waited until they're away from the home, moved in, changed the locks, and subsequently used the exact same squatter's laws to get rid of that undesirable occupant. Holy guacamole, Batman. He out squatted the squatter. Do you have undesirable capital losses squatting in your portfolio, dragging down performance, muting your gains? Do you feel powerless to get rid of this undesirable occupant in your investments? Well, there's an efficient method for ridding yourself of that undesirable squatter in your portfolio. Keeping undesirable capital losses in your portfolio is like welcoming squatters in your home. And folks, that's not only unwise, that's just weird.

https://media.advisorcheck.com/transcripts/5217885/6a38c10c3a30e375ffb86688/ac-6a38c10c3a30e375ffb86688-1785776775722.vtt

Once upon a time in a small village, family members would bathe using a single tub of water. The father would take the first bath and then the rest of the family would follow using the same water due to a lack of fresh supply. By the time it was baby's turn, the water was murky and filled with grime. When it was time to discard the bathwater, the mother was exhausted and hurried. She quickly poured the water out, not noticing that the baby was still in the tub. Luckily, a bystander saw the baby being swept away with the water and rescued the child just in time. The idiom warns against discarding something valuable while trying to get rid of something. Unwanted. Many investors, when faced with a severe pullback in the equity markets, a bad earnings report, or a geopolitical event or natural disaster are quick to discard their investments due to the significant loss of value. Being exhausted by the precipitous drop and feeling hurried to turn a profit, they discard something valuable along with the bad underperforming investments, and they do so to their detriment. Discarding good investments because of bad circumstances is like throwing the baby out with the bathwater, and that's just weird.

https://media.advisorcheck.com/transcripts/5217885/6a3afdc2824faa23c28f29bd/ac-6a3afdc2824faa23c28f29bd-1785776950256.vtt

https://media.advisorcheck.com/6233372/videos/6a0606446e449a2ffb4d8415/b02c481f-f6d2-4de0-a992-9846d44be06f_9x16.mp4

Your portfolio has a gross return and a net after tax return. The gap between them is tax drag. For most women with $1.5 million across multiple accounts, that gap is bigger than it has to be. Here's why. The same allocation is sitting in every account, your 401k, your Roth, your taxable brokerage. 

What Tax Efficient Account Location Can Do For Your Overall Portfolio Return

https://media.advisorcheck.com/6233372/videos/69fe3a3d0efe025bb43afda0/653088d1-513a-4ce8-bfb1-a2039519fa1d_9x16.mp4

Losing money on purpose is one of the most underused tools in a $1.5 million dollar portfolio. It's called tax loss harvesting and most women I meet aren't doing it on a schedule. Here's how it works. Every year, some positions in your taxable brokerage are down, even when the overall market is up. 

Lose Money on Purpose: The Tax Lever Most $1.5M Portfolios Skip

https://media.advisorcheck.com/839995/videos/6a2ad8beb626a21d1aca36d6/77031221-8449-4c81-9b05-5a215ff8eaa5_9x16.mp4

Oftentimes I'm asked, why am I not doing as well as the market in the portfolio that you're managing for me? Well, oftentimes I'm being compared to the S&P 500, which is 100% equities, stocks, portfolios that we're managing have alternative investments in them. We have bonds, we have real estate. We

Why is my portfolio trailing the markets?

https://media.advisorcheck.com/5217885/videos/6a38c10c3a30e375ffb86688/0654d901-2679-4f75-a436-eeddfd413335_9x16.mp4

Hello and welcome to another weird Wednesday where we look at the odd things that people do, especially when it concerns their money. Squatter's rights seems to be one of the weirdest laws known to mankind. So check this. Flash Shelton had squatters move into his home during the process of selling i

Don't let capital losses "squat" in your portfolio!

https://media.advisorcheck.com/5217885/videos/6a3afdc2824faa23c28f29bd/05981f6f-ced9-4330-89b7-dcea9c2490e9_9x16.mp4

Once upon a time in a small village, family members would bathe using a single tub of water. The father would take the first bath and then the rest of the family would follow using the same water due to a lack of fresh supply. By the time it was baby's turn, the water was murky and filled with grime

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What Tax Efficient Account Location Can Do For Your Overall Portfolio Return

Lose Money on Purpose: The Tax Lever Most $1.5M Portfolios Skip

Why is my portfolio trailing the markets?

Don't let capital losses "squat" in your portfolio!

Don't let emotions get in the way of making wise investments!