The Stacking Benjamins Show · Wednesday, September 30, 2026
Following up on the dividend discussion, a listener asked OG about the importance of asset location in his practice, specifically whether tax ramifications or the timing of when money is needed is more critical. OG stated that both are important and depend on the value of different investment buckets.
“A lot of people pay a lot of attention to asset location when it comes to their tax strategy. Something that pays dividends being in a place where you're not going to tax that dividend, like in an IRA account or a Roth, versus having money in a brokerage account where you're going to get taxed, like JD is referring to here. You're going to get taxed if it's in a regular brokerage account.”
“How much attention do you pay to asset location in your practice, OG, based on tax ramifications versus just based on when you're going to need the money? Which one's more important and do you pay a lot of attention to either or both?”
“Uh, I would say we pay attention to both for sure. It largely depends on, uh, the value of each one of these buckets. If you've got a two and a half million dollar IRA and 50k in your brokerage account, and 25k in your Roth, there's not a lot you can do from a tax standpoint and an asset location standpoint because the vast majority of your wealth is already in one of those buckets, you know?”