Original commentary from Joe Murphy on how tax, property, mortgage, and retirement decisions interact. Educational only — not personalized advice.
The closing table settles the transaction. It doesn't settle the year — or the years that follow. A short guide to the tax, basis, and cash-flow questions that outlast a sale.
A refinance is a financing decision and a tax decision at the same time. What to check before signing, especially when the property or the plan has changed since the original loan.
Distribution timing, Social Security elections, Roth conversions, and property sales don't behave independently once you stop working. A framework for looking at them together.
Basis is one of the most consequential numbers on a property and one of the least examined until closing. When and how to look at it in advance.
For an owner, the business, the return, and the property line usually aren't three questions. They're one. A short guide to keeping them coordinated.
Missed considerations rarely announce themselves. They show up as the deduction you didn't claim, the basis you couldn't prove, and the decision you made without the picture in front of you.
