If you already have a 401(k), a Roth IRA, and maybe even a Health Savings Account, you might be asking a logical next question: Where does the next dollar go?

In this video, Josh breaks down the often-overlooked role of a taxable brokerage account in a well-designed retirement plan and why, for many high-income families, it becomes one of the most powerful and flexible tools available.

Taxable brokerage accounts are frequently misunderstood. They are not just “extra” accounts or short-term investing vehicles. When used intentionally, they can support early retirement, improve tax efficiency, smooth income over decades, and provide flexibility that traditional retirement accounts simply cannot.

We walk through how taxable brokerage accounts complement tax-deferred and tax-free accounts, why “taxable” does not automatically mean “tax inefficient”, and how long-term capital gains, tax-loss harvesting, and thoughtful asset placement can dramatically change your retirement.

Most importantly, this conversation focuses on retirement planning at the household level—not account by account—so your strategy works across multiple decades, tax environments, and market cycles.

Want to achieve financial freedom for personal significance? Work with us at https://www.f5fp.com.

About F5 Financial Planning:

At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.

At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.

Visit https://www.f5fp.com to learn more about our services and planning process.

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Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.

Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.