Navigating Widowhood, Inheritance, and Market Volatility
Eleanor is concerned about generating sufficient income from her inheritance to cover her living expenses and potential healthcare costs. Additionally, she's uncertain about the liquidity of some of the inherited stock holdings within her taxable account and how easily she can convert them to cash without significantly impacting the market price or incurring substantial capital gains taxes.
Using the Free Float Calculator, we assessed the market depth of her inherited stock portfolio, identifying two thinly traded securities comprising $75,000 of her taxable holdings. By selling these illiquid assets gradually and strategically reinvesting the proceeds into more liquid dividend-paying stocks, we increased her annual income by $3,000 and reduced her portfolio's overall volatility. We also utilized the Tax Equivalent Yield calculator to find municipal bonds to further reduce her tax burden.
The Free Float Calculator was used to determine the percentage of shares available to the public for trading, highlighting stocks with limited liquidity. This data informed a strategic divestment plan to minimize price impact and maximize returns.
$3,000 increase in annual income and $1,500 reduction in annual taxes using Tax Equivalent Yield strategies.
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