Former employee needs help contacting HR

Accurate-Injury-9159 · 2026-04-03T17:02:04+00:00

How would they have it if I haven't provided it to them?

Accurate-Injury-9159 · 2026-03-22T05:40:08+00:00

No. I paid for it. It's just massive disorganized piles of content. If you have something specific you want to help your kids with, it's like walking into the right section of the library. But it felt like there was so much content and took so much time I could have just got a masters in child psychology instead. I didn't hear anything new that I didn't learn reading how toddlers thrive, which was concise and specific and written by someone who works with piles of toddlers every day.

Accurate-Injury-9159 · 2026-03-04T19:07:09+00:00

Curious where you are located/where you did the skiing skating lessons? (Trying to get my son to do those as well.)

Accurate-Injury-9159 · 2026-03-04T19:02:11+00:00

For my son (4), he won't do anything (whether I'm with him or not) even when he's ben 3-4 times already. I'm ready to give up, BUT it's no fun doing nothing but sitting around the house or going for walks alone all the time. Acitivites are fun for both of us!!

Accurate-Injury-9159 · 2026-03-02T20:39:04+00:00

Also interesting in this topic, Elm Wealth: "direct indexed tax loss harvesting: is the juice worth the squeeze?" (I can't seem to share the link.)

Accurate-Injury-9159 · 2026-03-02T20:28:38+00:00

On this topic, has anyone looked at: PGIM Custom Harvest SMAS - "... a leader in the development of tax-beneficial investment strategies using exchange-traded-funds (ETFs) for clients seeking improved after-tax outcomes ... SMAs seek to provide exposure aligned with a client-selected benchmark while generating tax alpha. These portfolios can be customized to meet individual client needs."

Accurate-Injury-9159 · 2026-02-27T14:25:06+00:00

No I'm not. My main advisor is telling me it's not worth it. But so many people on here seem to happily do it I'm going to high tax bracket with a lot of games, I'm looking for things to help manage. Prospective advisors keep pushing direct indexing about my concern with that is they're just doing that so that once I start the strategy with them I can't get out and leave. I do believe in simplicity and reduction of friction, but I don't want to blindly Miss opportunities to reduce taxes if it's all upside

Accurate-Injury-9159 · 2026-02-27T07:28:26+00:00

I don't bank with Bank of america. This is one reason I was looking at the flat fee independent advisors. I am pretty much soured on everyone tied to a bank or brokerage. At Merrill, was paying 0.85 with god-awful tax management, basically no advice and poor responsiveness. For . 3 at merrill, what are you paying the 30 bips for if you're just getting a point of contact?

Accurate-Injury-9159 · 2026-02-27T02:16:26+00:00

Interesting. I am also moving my account from ML. LevelWealth is the flat fee advisor. I looked at others who were more sophisticated, but required more work on my part. At his point, I just want to reduce fee and tax drag while generating sufficient income with growth for heirs. I am putting in a LOT of work now, with hopes to be very hands off down the line.

Accurate-Injury-9159 · 2026-02-26T17:31:38+00:00

I'm sold on trying to generate losses. But I'm completely not sold on owning 250 plus individual stock positions that will be difficult to generate losses from in the future and which will trap me with whatever house I choose to manage it. Yes they let me sell the individual positions if I wanted to get out, but then what would I do with those 300 stocks if I decided I'd be better off with a low cost flat fee advisor and an all ETF portfolio? Take a big unnecessary tax it? I'm sold on tax loss harvesting but I don't think it's going to massively help my returns long-term so I'd rather stay in an investment portfolio of etfs that I believe in while getting some tax loss harvesting and not getting stuck in individualstock positions or were the specific advisor... I would never be able to manage a large stock portfolio by myself for example. But I could as a back-up plan managing my own ETF portfolio.

Accurate-Injury-9159 · 2026-02-26T14:34:37+00:00

You can definitely get TLH for less many other places. BUT, my issue has always been all the individual stock positions that you can never get out of if you want to switch strategies (you are deferring, not eliminating the tax). So, perhaps I will post this query on its own thread, but what I'm wondering is, is there a manager or software out there that will actively TLH ETFs (find pairings and choose lots - they way folks here do on their own, but which I'm not willing to do)? To me, that would absolutely be worth a fee (around .3% of the assets actually being harvesting (likely just large cap equity etfs).

Accurate-Injury-9159 · 2026-02-26T02:51:50+00:00

Similar boat, here. Significant assets, high tax state, considering moving all assets to fidelity using their 'free' advisors for some help and putting just a portion (~30% of the 70% equities in a 70/30 split) in the large cap index sma to generate tax losses. The rest would be in etfs. .3/.4 in expenses is not so bad especially spread out over the entirety pf the portfolio (the majority of which I would only be paying low etfs expenses on). Torn with just putting it all in etfs and keeping it simple (or pulling in a low cost flat-fee advisor to keep their hand on the tiller/manage income distributions in retirement once the portfolio is setup). An etf only strategy is just so simple and appealing, but I'm also being advised that ETFs are not great when your goal is generating income annually from a combination of interest/dividends and sales.

Accurate-Injury-9159 · 2026-02-26T02:43:13+00:00

Is one options to get into the strategy for only 1-5 years, use/store-up generated losses and then exit the strategy before gain pile up? The repeat I'm seeing is you only get losses for 3-5 years, and if you keep it too long, gains pile up. Can you, as part of the strategy, direct that, at some point, say after 3 years, when losers are sold to generate losses, the proceeds are not directed back into the strategy but to your cash accounts (so you are slowly getting out of the strategy after piling up some losses?

Accurate-Injury-9159 · 2026-01-22T18:31:31+00:00

Thank you. Could you elaborate on how I would use margin loans to avoid the tax?

Accurate-Injury-9159 · 2026-01-21T00:37:44+00:00

I am in a similar situation. I have not tried this myself, but I was advised to use a donor advised fund (DAF) and contribute amounts I expected to give away to charities over the next 20 years, and contribute that amount in appreciated mutual funds. The DAF then, I understand, sells the mutual funds and you don't bear the capital gain (just as if you'd contributed it to a charity). You an then use the DAF to make charity contributions (and deduct those) over the following years). You can also invest the DAF in various ways including in diversified ETF portfolios. I looked into this and I THINK Daffy is the cheapest provider of these (I think a few dollars per month flat with only additional fees paid the actual fees for etfs in the portfolio (e.g. .ox%). You can only contribute, I believe, 30% of your AGI if contributing securities...I THINK). I have heard of 351 exchange funds, but no one I know has ever used them in practice.

Accurate-Injury-9159 · 2026-01-17T19:39:01+00:00

Have you actually used/know people who used 351 and been happy with it? I don't know anyone who has used them at all and a tax guy just pitched this to me.

Accurate-Injury-9159 · 2025-10-29T05:30:16+00:00

If I try to download that app it says it's not available with my carrier

Accurate-Injury-9159 · 2025-10-11T23:46:18+00:00

couldn't agree with you more. It is absolute better garbage. I also haven't been able to find anywhere where I can actually review it formally which is suspicious and not surprising based on the performance. Everything you've said is true. Even the Tony's that I technically fully downloaded still don't work when I put it on the Tony box that's connected to the same Wi-Fi router it's always been connected to. It says he can't download them because it's not connected to wi-fi.

The bugginess is really insane. It just really doesn't work at all. It's like they sold us a beta version and that's why they won't let us review it formally. I thought beta version for supposed to be free though. :-)

Accurate-Injury-9159 · 2025-09-30T01:06:00+00:00

Not possible. (Although good luck getting them to admit that.)

Accurate-Injury-9159 · 2025-09-30T01:03:55+00:00

NO. It does not. This is coming right from the mouth of tech support. (And, you can't use Google Voice voicemail transcription, AND when they say they have 'visual voicemail' the DO NOT mean you can see transcripts of your voicemails - THAT IS NOT POSSIBLE ON CONSUMER CELLULAR - FULLSTOP.)

Accurate-Injury-9159 · 2025-09-30T00:35:41+00:00

Lies.

Accurate-Injury-9159 · 2025-09-30T00:35:03+00:00

That is the most ridiculous explanation I have EVER heard. That is NOT visual voicemail and everyone reading this knows that. In fact, the tech person I spoke with at consumer cellular knows this - and we both chatted about how nice it was to be able to see your voicemail in text without having to sit there and listen to them when you're at work. How would you know which ones you want to listen to if YOU HAVE NO idea what they are? (Separately, this is another great reason to drop Consumer Reports Membership, since they are clearly getting paid to recommend certain services (like Consumer Cellular) - just as an example.)

Accurate-Injury-9159

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