Accounts

Accounts are where every dollar in a FinZot plan lives. A taxable account is tracked lot by lot with cost basis. Retirement accounts, meaning IRAs, workplace plans, HSAs, and 529s, are tracked as simple balances under their tax treatment. These pages cover the type catalog and what inheritance changes, how allocations are maintained and sales realize gains, and how money gets in. That includes the basis and 5-year rules that decide what a Roth withdrawal costs. Which account a withdrawal draws from, and in what order, is covered in how a year works.

• Account Types — Every account type FinZot models, with its tax treatment, penalties, RMDs, and how holdings are tracked. Also what marking an account inherited changes.
• Allocation, Lots, and Selling — How each account keeps its target allocation, how taxable accounts track tax lots, and how FinZot decides what to sell. Covers the defaults, the options, and the tax assumptions behind realized gains.
• Contributions, Roth Basis, and the 5-Year Rule — How money gets into each account type and the 2026 limits that apply. How Roth and 529 contribution basis and the 5-year rule work. The accounts a Roth conversion creates.