agreed re keeping it is harder than making it. Made a fair bit in the past and didn't keep it.
Agree re: insurance - raised umbrella to +$3M and car to $1M. Perhaps raise home though umbrella helps that?
Agree re: tax optimizing.
For 529 front loading, there's apparently a way to do a 5 year- averaging that allows you to put 6 year's worth of 529 in. In my state a certain amount is tax deductible, so I'll factor this in.
Accountants seem good at calculating - not so good at ideas. I'm expecting my RIA/Advisor will help here, but I'm on a track consistent with what you've said - thanks!
Agree re: insurance - raised umbrella to +$3M and car to $1M. Perhaps raise home though umbrella helps that?
Agree re: tax optimizing.
For 529 front loading, there's apparently a way to do a 5 year- averaging that allows you to put 6 year's worth of 529 in. In my state a certain amount is tax deductible, so I'll factor this in.
Accountants seem good at calculating - not so good at ideas. I'm expecting my RIA/Advisor will help here, but I'm on a track consistent with what you've said - thanks!