Roth IRA Net Unrealized Appreciation Strategy Explained

Episode 44 of Roth IRA with Fexingo breaks down the net unrealized appreciation (NUA) strategy — a powerful but underused tax move for company stock held inside a Roth IRA. Lucas and Luna walk through how NUA works with employer stock, the specific tax treatment that can convert capital gains into lower long-term rates, and why high-income earners with concentrated stock positions might benefit from a partial liquidation. Using a concrete example of an employee with $500,000 in company stock accumulated over 15 years, they show how NUA saved $38,000 in taxes compared to a standard rollover. The hosts also flag the risks: the 60-day election window, the 'look-back' rule for Roth IRAs, and when NUA makes zero sense. Listeners learn one actionable planning move to discuss with their CPA before year-end 2026. #RothIRA #NetUnrealizedAppreciation #NUAStrategy #EmployerStock #TaxPlanning #RetirementPlanning #CapitalGains #QualifiedPlan #RolloverRules #IRS #Fidelity #CharlesSchwab #ConcentratedStock #TaxEfficient #WealthManagement #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo