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Alison Southwick: The next question comes from Nicki. My husband and I have always invested almost exclusively in our IRA accounts, maxing them out each year, and have been focused on solid dividend-paying stocks so that they can compound over time and we can use them to supplement our income in retirement. However, due to a promotion for me and a new job for him, its likely we will be right at, if not over, the income limit for 2019 to be able to contribute to an IRA. Were hesitant to invest in those same stocks in a regular brokerage as its not as tax-efficient. Ive never done any real research on any non-dividend paying stocks since that was never really our strategy. Can you point us in the right direction when it comes to investing in non-dividend paying stocks, or at least how to invest in a regular brokerage in a tax-efficient way? More tax talk. Ross Anderson: All right! Southwick: Ross loves it. Anderson: I do! The first thing Ill tell you is that no matter what your