Masters in Business At The Money: Tax Day Special
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Apr 15, 2026 
Bill Artseronian, Director of Tax Services at Ritholtz Wealth Management, helps high-net-worth investors navigate tax planning. He covers why taxes belong in every financial plan. He highlights year-end moves, charitable timing, tax-advantaged account strategies, tax-loss harvesting, and new rules like Roth catch-up changes and SALT adjustments.
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Tax Planning Is Everywhere In Your Financial Plan
- Tax planning touches virtually every part of a financial plan and is often the largest annual expense for investors.
- Bill Artseronian emphasizes thinking beyond a single year — plan tax strategy proactively and generationally to optimize cash flow, inheritance, and portfolio decisions.
Delay Year End Gains To Give Harvesting Time
- Defer realizing capital gains from year-end into the next year when possible to allow a full 12 months for tax-loss harvesting to offset them.
- Bill warns small price moves can outweigh tax savings, so be comfortable holding positions for weeks or months after sale timing.
Bunch Charitable Gifts Or Use Donor Advised Funds
- Use charitable giving as an accessible tax lever but check whether you itemize; otherwise the gift may not reduce federal tax.
- Bunch gifts into high-deduction years or use donor-advised funds to time deductions without changing giving cadence.