Erik Bowman - Bowman Financial Strategies

05/05/2025

04/25/2025

04/23/2025

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👀 Why own an ETF when you can own the individual stocks instead?

Direct indexing is a powerful strategy that can generate intentional tax losses year after year while still earning benchmark-comparable returns.

By monitoring regularly and selling the underperformers strategically, you capture tax losses while maintaining your market exposure through the winners.

This approach requires monitoring and precision but can deliver significant tax advantages for high-net-worth investors.

Have you considered direct indexing for your portfolio? Comment below!

Tap save on this post if you're looking for advanced tax strategies 💰

&P500

04/22/2025

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Married and financially savvy? This one's for you! 💑

Joint filers have a hidden tax advantage. Imagine potentially keeping the first $94,000 of income in the 0% capital gains bracket.

Strategic planning can unlock incredible opportunities.
Share this with your partner in financial crime!

04/21/2025

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🔥 The tax strategy that keeps giving year after year...

After a major liquidity event, managing your non-qualified assets requires strategic thinking. One powerful approach? Tax loss harvesting.

By proactively seeking out losses in your portfolio (without compromising returns), you create tax offsets you can use for years to come.

What's your experience with tax loss harvesting? Share below!

04/20/2025

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Time shifts, but taxes? They're playing by their own rules. 🕰️

RMD ages are on a journey: 70.5 → 72 → 73, and by 2033, everyone starts at 75. The timeline might be flexible, but tax collectors aren't known for their adaptability.

Are you tracking these changes? Stay informed!

Share this with someone planning their retirement.

04/19/2025

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Ever wondered what happens after years of tax-deferred retirement saving? 🤔

The government has been patiently waiting to collect taxes on those IRA contributions. Welcome to the world of Required Minimum Distributions (RMDs) - where the tax bill finally comes due.

Want to understand how this impacts your financial planning? Keep reading!

Double tap if you're thinking about your retirement strategy.

04/18/2025

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$5 million in retirement assets? When you claim Social Security matters more than you think. ⏰

With that level of retirement assets, the timing of your Social Security can make a difference of TENS OF THOUSANDS in lifetime benefits.

Most people don't realize this, but optimal timing isn't the same for everyone - it depends on your specific financial situation.

I've helped clients analyze this decision carefully, and the results can be surprising.

This is why personalized financial analysis matters so much - general rules of thumb don't always apply.

Share this with someone who needs to think more strategically about their Social Security benefits!

04/17/2025

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Bad market year? Time to get strategic! 📊

Retirees, listen up: A downturn isn't just a setback - it's an opportunity. Harvesting losses can be your secret weapon against future taxation.

Let your accounts recover while staying tax-smart.

Double tap if you're ready to turn market challenges into opportunities!

04/16/2025

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https://www.bowmanfinancialstrategies.com/contact

💡 Here's a tax strategy most business sellers miss...

Recently worked with a client who sold their business for $5 million. They regularly donate $40-50K to their church annually. Instead of taking those donations year by year, we funded a Donor Advised Fund (DAF) with $500K - their projected 10-year giving amount.

The result? They deducted the ENTIRE $500K in the same year as their business sale, significantly reducing their taxable income when it mattered most. Plus, they funded the DAF with appreciated assets, avoiding capital gains tax they would have paid otherwise.

Save this strategy for when you're planning a major liquidation event 💼