If you have enough W2 income, you can be done with estimated taxes and handle your entire tax liability through withholding. Take last year's return, figure the appropriate safe harbor, and have that amount withheld. Since you are taking a safe harbor approach, there is no need to update the withholding, even if your income goes up during the year.
You do this once and you are good for the year. That takes care of most of what you mention. There is no need to stay on top of investments. You seem to know better than to try to market time. Volatile instruments will go up and down throughout the year. There is no need to do anything in response. You could rely on the general idea of whether markets are up or down that you get from reading the nonfinancial news. If there are big movements, then you could check for TLH or rebalancing opportunities. Or set up an infrequent schedule. Twice a year is plenty. I would not pay anyone a fee close to what these services charge. Not worth it.
You have your finances under control. Some of the things you mention need not be done at all. For the others, you could hire someone to try to eek out small gains but they would charge more than the services are worth. You can stop worrying and get back to your day job.
You do this once and you are good for the year. That takes care of most of what you mention. There is no need to stay on top of investments. You seem to know better than to try to market time. Volatile instruments will go up and down throughout the year. There is no need to do anything in response. You could rely on the general idea of whether markets are up or down that you get from reading the nonfinancial news. If there are big movements, then you could check for TLH or rebalancing opportunities. Or set up an infrequent schedule. Twice a year is plenty. I would not pay anyone a fee close to what these services charge. Not worth it.
You have your finances under control. Some of the things you mention need not be done at all. For the others, you could hire someone to try to eek out small gains but they would charge more than the services are worth. You can stop worrying and get back to your day job.
Statistics: Posted by afan — Sat Sep 27, 2025 3:32 pm — Replies 7 — Views 447