Still, despite the pain, it's dumb to be dumb about taxes on your investments.
I've assembled a new article, Being Tax-Wise, that tries to capture the main points to consider when planning your investments, so as to make them a notch more tax-savvy.
Some of the ideas are obvious: Save for retirement in an IRA or your employer's plan. Others, not so obvious: should you have both an IRA and your employer's plan?
Some ideas may be surprising: Did you know you can be the beneficiary of a 529 college savings plan you establish for your own graduate degree, and possibly get a state-tax rebate for doing so?
And, yes, some ideas are downright convoluted: Being tax-smart about retirement spending will keep you mentally fit, if your frontal lobe is ready to be exercised.
The article closes with suggestions on where to turn for tax-advice and second-opinions. In an area like taxes, where you are the one ultimately accountable for the decisions, professional advice and second-opinions would be smart for everyone. You can find the full article on the Investing menu.