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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I am not sure there is anything a tax planner can tell us. The investments are in tax-efficient index funds and we are maxing out all tax-preferred savings options.

What is the advantage of I-Bonds? I guess I need to research those more, but I'm hesitant to complicate our portfolio. We have everything at Vanguard except for one 401(k) which is at Fidelity and the HSA at HealthEquity.

I found a podcast "I will tell you how to be rich" that seems to focus several episodes on moving to a mindset where saving is not the ultimate goal. "What are you saving for?" and all that. I feel that way with this additional money. Since I don't want to retire, I may need to work on spending money for enjoyment more.[/quote]
It doesn't sound like you really want advice. None of us know enough about your portfolio to tell you if a tax planner could be helpful, and you have convinced yourself that you know everything. It's just strange to me and sounds very much like the mindset of someone who isn't used to the potential pitfalls of having a large sum of money. At the end of the day, the biggest risk is that you make decisions that significantly increase your tax liability and/or you get a much lower return on your funds than you could, neither of which are a catastrophe. But there are other concerns with whether your money is protected from law suits and stuff.

I grew up with more money than you I'm guessing, and I suspect that informs our different attitudes. Personally, I would at least talk to a tax advisor in case they see something I don't. There is no obligation to following their advice. Think of it like consulting a doctor when you are on the fence about whether something is benign. What's the harm in getting an expert opinion?[/quote]

I agree.  And unlike financial advisors, tax advisors are not angling to skim of 1% of your assets a year in management fees.[/quote]

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