AVAILABLE NOW
Capital Gains
How Families Keep More of Every Investment
THE WEALTH ENGINEERING SERIES™
Wealth isn't just accumulated.
It's engineered.
A six-book collection about the decisions that help families build wealth, keep more of it, and pass it on wisely.
“The goal is not to pay the least tax today. The goal is to keep the most wealth over your lifetime.”
BOOK ONE
Capital Gains
How Families Keep More of Every Investment
Most investing books focus on what to buy. This book focuses on what happens after you already own the investment — when, how, and by whom it should be sold.
Through practical examples and a simple decision-making framework, Umesh Jindal explains how families can think about holding appreciated investments, realizing gains, choosing tax lots, harvesting losses, and considering who should realize a gain.
One idea to remember:Decide before you sell — not after.
THE SIX-BOOK SYSTEM
One lifetime. Six parts of the wealth equation.
The books are designed to work together — from accumulating wealth to spending it, protecting it, and ultimately passing it on.
COMING NEXT
Building Retirement Wealth
Where Every Dollar Should Go
COMING
Spending Retirement Wealth
Which dollars to spend first, which to preserve, and which taxes to avoid.
COMING
After the First Goodbye
The financial transition after losing a spouse.
COMING
The Last Tax Bill
Passing more of what you've built to your family, and less to the IRS.
COMING
The Wealth Engineering Blueprint
One family's lifetime journey through the entire system.
THE WEALTH ENGINEERING APPROACH
Think like an engineer, not just a taxpayer.
A tax decision rarely exists by itself. Before an investment is sold, a family can ask several questions: Do we need to sell? Who should realize the gain? When should it happen? Which shares should be sold? Would holding, gifting, or donating produce a better long-term result?
Wealth engineering means coordinating those choices before the taxable event occurs.
TAX & SERIES UPDATES
Keep the system current.
Tax rules change. This website will be the home for tax-table updates, new editions, future books, and practical resources associated with The Wealth Engineering Series™.
2026 EditionBook One is based primarily on U.S. federal tax law applicable to the 2026 tax year.
CONTACT THE AUTHOR
Comments, corrections, and suggestions.
Found a typo or an outdated tax figure, or have an idea for a future book? I would like to hear from you.
I may not be able to reply to every message, and I cannot answer individual tax questions or provide personal tax, legal, or investment advice. Please consult a qualified tax professional about your own situation. Your email address will be used only to reply to you.
DISCLAIMER
This book is provided for educational and informational purposes only. It is not intended to provide personal tax, legal, investment, or financial advice, and it does not establish a professional advisory relationship between the author and the reader.
The tax information in this book is based primarily on U.S. federal tax law applicable to the 2026 tax year. Tax laws, regulations, thresholds, and interpretations may change after publication. Tax results depend on individual circumstances, and the examples and illustrations in this book are hypothetical and are provided for educational purposes only. They should not be relied upon as a prediction of the tax results for any particular taxpayer.
Before implementing any strategy described in this book, particularly one involving significant assets or tax consequences, readers should consult qualified tax, legal, or financial professionals familiar with their individual circumstances.
This book is independently published and is not affiliated with, endorsed by, or sponsored by the Internal Revenue Service, AARP, or AARP Foundation Tax-Aide.
THE WEALTH ENGINEERING SERIES™