Another voice to be very very careful. Specifically, review all of the assumptions the model is making to be sure they are all valid and then go even further to consider likelihood. For example, if you live in California now how likely are you to still be living in California in 10 years? If you have adult children where do they live now and how likely are they to stay there? I'd be very careful to avoid crunching and grinding on equations if the future is uncertain. Likelihood is not a binary choice.
If you have over let's say $15M, definitely $20M, you need to find high net worth legal and tax experts to give you very good advice not use low cost services like Boldin. Not DIY unless you are going to become your own expert spending hundreds of hours per year on it. This is a DIY forum and some people have already replied that they've done similar, but all I can suggest is spend a whole lot of time evaluating this before you start moving out.
Perhaps you are in a very unique situation, such as having just left a job with seven figure income and expect not to have that income in 2026 but could in 2027.
Also: Welcome to the forum, I see this is your first post. Maybe you've been following for many years but seeing a question like this as a first post reinforces my voice of caution!
If you have over let's say $15M, definitely $20M, you need to find high net worth legal and tax experts to give you very good advice not use low cost services like Boldin. Not DIY unless you are going to become your own expert spending hundreds of hours per year on it. This is a DIY forum and some people have already replied that they've done similar, but all I can suggest is spend a whole lot of time evaluating this before you start moving out.
Perhaps you are in a very unique situation, such as having just left a job with seven figure income and expect not to have that income in 2026 but could in 2027.
Also: Welcome to the forum, I see this is your first post. Maybe you've been following for many years but seeing a question like this as a first post reinforces my voice of caution!
Statistics: Posted by stan1 — Sun Jan 11, 2026 9:34 am — Replies 9 — Views 370