Giri Lankipalle - Financial Professional

Giri Lankipalle - Financial Professional Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Giri Lankipalle - Financial Professional, Financial service, 7031 Koll Center Prkwy, #140, Pleasanton, CA.

Personal Finance, Teaches "How Money Works", How to retire with zero taxes, Transfer assets with tax efficient strategies, Life Insurance, Long Term Care, Retirement Planning, College Savings and Estate Planning strategies.

06/17/2026

FCNR deposits are becoming a hot topic for NRIs in 2026, especially with some Indian banks offering higher dollar-based interest rates.

But before you move your money, remember this:

FCNR interest may be tax-free in India, but if you are a U.S. resident, Green Card holder, or U.S. citizen, the IRS may still tax that interest as ordinary income.

You also need to think about FBAR reporting, Form 8938, after-tax returns, and liquidity before opening an FCNR deposit.

The headline rate is only one part of the story.

Comment "FCNR" below and I'll send you the free ebook with everything U.S.-based NRIs should know about FCNR deposits.

06/14/2026

If you’re a dual-income household in a high-tax area, a large portion of your income may be going to taxes—especially if both spouses are W-2 employees.

Here’s a strategy some families use to become more tax-efficient:

Instead of both spouses staying in W-2 roles, one spouse transitions into an independent contractor and qualifies for Real Estate Professional Status (REPS).

This allows them to materially participate in real estate activities.

Why does that matter?

Normally, real estate losses (like depreciation) are considered passive and can’t offset active income (like salaries). But with REPS, those losses can potentially be used to offset the household’s active income.

Pair that with strategies like:
•⁠ ⁠Short-Term Rentals (STRs) – which can qualify for non-passive treatment if structured correctly
•⁠ ⁠Cost Segregation – accelerating depreciation to create larger paper losses

…and you create an opportunity to significantly reduce taxable income.

This is how some families are able to:
✔️ Lower their tax burden
✔️ Increase cash flow
✔️ Build long-term wealth through real estate

Important: This strategy requires proper structuring, documentation, and guidance to comply with IRS rules.

Want to learn how this could apply to your situation? Comment TAX below and I’ll send you more details.

06/13/2026

Should you take Social Security at 62, wait until full retirement age, or delay until 70?

Many people assume waiting is always better, but that is not always the case. Sometimes taking it earlier and investing or using the money wisely may make more sense, depending on your numbers, health, income needs, taxes, and retirement plan.

But, no worries! I created the Social Security Break-Even Calculator. You can enter your own numbers and check your break-even point before making this big decision.

DM me "SSN” and I will send you the free calculator.

06/13/2026

Should you take Social Security at 62, wait until full retirement age, or delay until 70?

Many people assume waiting is always better, but that is not always the case. Sometimes taking it earlier and investing or using the money wisely may make more sense, depending on your numbers, health, income needs, taxes, and retirement plan.

But, no worries! I created the Social Security Break-Even Calculator. You can enter your own numbers and check your break-even point before making this big decision.

DM me "SSN” and I will send you the calculator link.

06/10/2026

Join us for a free financial education seminar!

📍 Hillsboro, Oregon
📅 Thursday, June 11
🕕 6:00 PM – 7:30 PM

Topics include:
✅ Mid-year tax-saving strategies
✅ College funding for kids
✅ Wealth building
✅ RSU tax planning
✅ Retirement planning
✅ And more

This is an interactive educational session with no sales pitch, no products, and no recruiting, only practical strategies and Q&A.

Limited seating available. We already have 30+ registrations, and only a few spots remain.

📩 DM me for the registration link.

I'll also be hosting similar seminars in the Seattle area on Friday and Saturday. Hope to see you there! 🚀

06/10/2026

$100,000 in America may look much bigger than ₹25 lakhs in India, but that is not the full story. One important thing most NRIs miss is this: at $100K in America, rent and healthcare can decide how much you actually save. At ₹25 lakhs in India, rent, school fees, and lifestyle inflation can decide the same thing. So the real question is not “which income is bigger?” The real question is “which income helps your family save, invest, and build assets faster?” The answer may surprise you.

Comment LIFESTYLE and I’ll send you the full ebook.

06/05/2026

Am I the only one who thinks this? 🤷♂️

Comment "TIPS" for a fun read of my personal tipping tips, and let me know if you agree or disagree! 😄

06/03/2026

If your taxable income is low enough, you may qualify for the 0% federal long-term capital gains tax rate.

For 2025, that may apply when taxable income is under about:

Single filer: $49,000
Married filing jointly: $98,000

These income thresholds can change every year, so it is important to check the current limits before making a tax planning decision.

This can be especially powerful during retirement, a low-income year, or before selling appreciated assets like stocks, RSUs, real estate, or a business.

Comment TAX SAVING below and I’ll send you the ebook containing more strategies.

Save this post so you can come back to it before selling an appreciated asset, and share it with someone who may need this strategy.

06/02/2026

If your taxable income is low enough, you may qualify for the 0% federal long-term capital gains tax rate.

For 2025, that may apply when taxable income is under about:

Single filer: $49,000
Married filing jointly: $98,000

These income thresholds can change every year, so it is important to check the current limits before making a tax planning decision.

This can be especially powerful during retirement, a low-income year, or before selling appreciated assets like stocks, RSUs, real estate, or a business.

Comment TAX SAVING below and I’ll send you the ebook containing more strategies.

Save this post so you can come back to it before selling an appreciated asset, and share it with someone who may need this strategy.

Address

7031 Koll Center Prkwy, #140
Pleasanton, CA
94566

Opening Hours

Monday 10am - 5pm
Tuesday 10am - 5pm
Wednesday 10am - 5pm
Thursday 10am - 5pm
Friday 10am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5:30pm

Website

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