I do know AM will face a capital gains tax haircut (20%+/-) in any non-qualified account.Why would it be 20%? LTCG rates are 0% if you're in the 15% or lower bracket and 15% until you hit the highest bracket (3.8% surtax kicks in at 200/250K). There might be state income tax as well (forget what state AM is in), but in general I'd expect LTCG rates to be below 20%, especially since AM doesn't sound like she's pulling in 450K+ annually.-synchronicity
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