Avior Wealth Management, LLC

Avior Wealth Management, LLC Gain control of your financial future
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Financial Planning and Investment Management services are provided by Avior Wealth Management, LLC, a SEC registered investment advisor. All investments are subject to risk, including loss of principal. Nothing contained herein should be construed as legal or tax advice. Please consult your attorney regarding legal / estate planning or your CPA regarding tax questions. On April 1st 2011, the Campb

ell Wealth Management Group, Inc combined with Nelson-VanDenburg & Associates to form: Nelson, VanDenburg & Campbell Wealth Management Group, LLC. On September 1, 2021 Nelson, Van Denburg and Campbell rebranded to Avior Wealth Management, LLC ("Avior"). Avior is an SEC-registered investment advisor located in Omaha, NE. Avior and its representatives are in compliance with the current registration and/or notice filing requirements imposed upon SEC-registered advisors by those states in which we maintains clients. Avior may only transact business in those states in which it is notice filed, or qualifies for an exemption or exclusion from notification requirements. Important information describing Avior’s business operations, services, and fees can be viewed on the SEC’s website at www.adviserinfo.sec.gov. Avior will provide its Form ADV disclosure brochure, which serves as the firm’s disclosure document, to all clients. Copies are also available to interested parties upon request. This site is published in the United States for residents of the United States. Avior is not soliciting business in international jurisdictions where it is not registered.

Different accounts pass to heirs with very different tax consequences, and the order in which they are drawn down during...
06/03/2026

Different accounts pass to heirs with very different tax consequences, and the order in which they are drawn down during retirement directly shapes what the next generation receives. Roth IRAs flow tax-free to beneficiaries, who then have 10 years to empty inherited accounts¹ under SECURE Act rules. Traditional IRAs pass with ordinary income tax due on every withdrawal, often hitting heirs during their own peak earning years. Taxable brokerage accounts receive a step-up in basis at death, erasing embedded capital gains entirely. Drawing more heavily from traditional IRAs during retirement, or converting them to Roth in the gap years before RMDs begin at age 73², and preserving Roth and appreciated taxable assets for heirs can reduce both your lifetime tax bill and the tax burden your beneficiaries eventually face. The 2026 lifetime estate and gift exemption is $15 million per individual³, creating meaningful room for lifetime transfers of appreciating assets, but the efficiency of those transfers depends on how the retirement income strategy is coordinated with the estate plan.

The instinct to underspend in retirement is widespread, markets fluctuate, healthcare costs are unpredictable, and peopl...
06/02/2026

The instinct to underspend in retirement is widespread, markets fluctuate, healthcare costs are unpredictable, and people are living longer. But a plan built on anxiety rather than modeling tends to shrink the lifestyle without actually protecting the legacy. High-net-worth Americans estimate they need $2.67 million to retire comfortably¹, per the 2026 Northwestern Mutual Planning and Progress Study, and upper-income retirees spend an average of $106,150 per year². With proper stress-testing, most affluent families discover they can fund both more generously than they assumed.



Sources:

1- https://www.kiplinger.com/retirement/magic-number-to-retire-comfortably
2- https://finance.yahoo.com/markets/stocks/articles/much-average-retiree-spends-yearly-125505128.html

For affluent households, retirement planning rarely comes down to whether the money will last. It comes down to whether ...
06/01/2026

For affluent households, retirement planning rarely comes down to whether the money will last. It comes down to whether the life you actually want to live, and the legacy you want to leave, can both happen without one cannibalizing the other. Upper-income retirees spend an average of $106,150 per year¹ according to Bureau of Labor Statistics data, well above the national average. And high-net-worth Americans estimate they need $2.67 million to retire comfortably², per the 2026 Northwestern Mutual Planning and Progress Study. The classic 4% rule suggests roughly $40,000 in year-one spending³ on a $1 million portfolio, but for affluent households planning 35-plus year retirements, taxes alone can change the calculus dramatically. Withdrawing from a taxable account, a traditional IRA, or a Roth produces very different after-tax cash flows from the same gross figure. With proper stress-testing and income coordination, many families discover they can spend more than they think while still leaving everything they intend to leave behind. The tension between lifestyle and legacy is mostly a planning problem, and planning solves it.

For high-income investors, the strategies that produce the most after-tax value are rarely complicated on their own. Wha...
05/31/2026

For high-income investors, the strategies that produce the most after-tax value are rarely complicated on their own. What tends to erode returns is a collection of avoidable mistakes, decisions made without full information, timing errors, and oversights that compound quietly across multiple years. These mistakes show up consistently, even in otherwise sophisticated portfolios.

For high-income investors, capital gains planning is one of the few year-end exercises that can move the needle on a tax...
05/30/2026

For high-income investors, capital gains planning is one of the few year-end exercises that can move the needle on a tax bill by tens or hundreds of thousands of dollars. Donating appreciated long-term securities directly to a qualified charity bypasses capital gains tax entirely, while allowing a deduction of the full fair market value, generally up to 30% of AGI for appreciated securities¹ donated to public charities. An investor with stock worth $100,000 and a $20,000 cost basis could avoid roughly $19,040 in federal capital gains and NIIT taxes by donating the position directly rather than selling first. Donor-advised funds amplify the strategy by allowing the full deduction in a high-income year while grants to individual charities happen over time. Mutual funds add another layer of complexity, since funds are required to distribute realized capital gains to shareholders annually, typically in November or December, meaning an investor who buys in October may receive a substantial taxable distribution within weeks. Reviewing pending distribution dates before making large fund purchases late in the year avoids a tax consequence that was entirely avoidable.

For high-income investors, small percentage differences in capital gains planning translate quickly into five and six-fi...
05/29/2026

For high-income investors, small percentage differences in capital gains planning translate quickly into five and six-figure swings on the tax bill. Short-term gains are taxed as ordinary income up to 37%¹, while long-term rates top out at 20% plus the 3.8% NIIT² for high earners. The difference between a well-timed sale and a careless one can be material, and several factors that routinely get overlooked are worth reviewing before any trigger is pulled.

05/28/2026

For high-income investors, capital gains planning is one of the few exercises that can move the needle on a tax bill by tens or hundreds of thousands of dollars, and it works best when it runs throughout the year rather than as a December scramble. Long-term capital gains rates of 0%, 15%, and 20%¹ apply based on taxable income, with the 20% bracket beginning at $613,700² for married couples. The 3.8% NIIT³ applies above $200,000 single or $250,000 joint MAGI, thresholds not indexed for inflation, meaning more households cross into NIIT territory each year through ordinary wage growth. Systematic tax-loss harvesting throughout the year builds a carryforward reserve that offsets planned realizations, with up to $3,000 of net losses deductible against ordinary income annually¹ and excess carried forward indefinitely. Donating appreciated long-term securities directly to charity bypasses capital gains tax entirely while preserving the full fair market value deduction. Investors who treat capital gains planning as a continuous strategy integrated with their investment and tax decisions tend to produce meaningfully better after-tax outcomes than those who approach it as a year-end task. Schedule a consultation with Avior to review your capital gains strategy before the window closes.



Sources:

1- https://www.irs.gov/taxtopics/tc409
2- https://www.kiplinger.com/taxes/capital-gains-tax/602224/capital-gains-tax-rates
3- https://www.irs.gov/individuals/net-investment-income-tax

Holding periods matter more than most investors realize. Selling a winning position one day before the one-year mark tur...
05/27/2026

Holding periods matter more than most investors realize. Selling a winning position one day before the one-year mark turns the gain from long-term to short-term, potentially doubling the federal tax rate. For a position with a $250,000 gain, that timing decision alone could swing the tax bill by $40,000 or more. Short-term capital gains are taxed as ordinary income¹, with rates up to 37% federally, while long-term rates top out at 20% plus the 3.8% NIIT² for high earners. For investors whose income varies year to year, intentionally timing large realizations into lower-income years can save meaningful amounts. A retiree who has not yet started Social Security, a consultant on sabbatical, or a business owner between major transactions may have substantial space below the 20% bracket threshold of $613,700³ for married couples. Multi-year tax modeling surfaces these opportunities in ways that single-year thinking misses entirely, and the work is most effective when it starts well before year-end rather than in December.

For high-income investors, the window for capital gains planning narrows quickly as December approaches, and once the ye...
05/26/2026

For high-income investors, the window for capital gains planning narrows quickly as December approaches, and once the year closes the levers disappear. Long-term capital gains rates of 0%, 15%, and 20%¹ apply based on taxable income, but the 3.8% NIIT² sits on top for high earners, and state-level rates add more. These five moves tend to produce the most meaningful results when reviewed before year-end.



Sources:

1- https://www.irs.gov/taxtopics/tc409
2- https://www.irs.gov/individuals/net-investment-income-tax

For high-income investors, a $500,000 long-term gain taxed at the federal 20% long-term capital gains rate¹, plus the 3....
05/25/2026

For high-income investors, a $500,000 long-term gain taxed at the federal 20% long-term capital gains rate¹, plus the 3.8% Net Investment Income Tax², plus a state rate between 5% and 13%, can produce a combined tax bill north of 30%. The same gain, harvested across two tax years, paired with offsetting losses, or routed through charitable vehicles, can produce a dramatically different result. The 20% federal rate kicks in at $613,700 of taxable income³ for married couples filing jointly, and the NIIT thresholds of $200,000 single and $250,000 joint² are not indexed for inflation, meaning more households cross into NIIT territory each year through ordinary wage growth alone. Losses offset gains dollar for dollar, with up to $3,000 of net losses¹ deductible against ordinary income annually and excess carried forward indefinitely. The window for most of these moves closes December 31, and the discipline of tracking them throughout the year rather than scrambling in December tends to produce meaningfully better outcomes.

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14301 FNB Pkwy, Ste 110
Omaha, NE
68154

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