<prompt> Human: My fiances father recently turned over control basically just made her aware of about 16k thats her money. It is currently invested via a Schwab taxable brokerage account in some random high-fee mutual fund and a single companys stock. Money has been there for quite some time, and has accumulated about 5k in unrealized gains which also happens to be significantly below what a stock market index fund would have returned over the same time period, but thats neither here nor there.Wed prefer to put this money into an emergency fund for her which she currently lacks but before she sells the stock and does so - I was just wondering if theres anything we can do in this transaction specifically to minimize the tax hit on capital gains.Shes not yet 401k eligible her job offers one but she cant contribute since she hasnt worked there long enough and were not yet married - so does it make sense to contribute a portion of this to a traditional IRA to offset the taxes owed on the sale?Or am I over-thinking this and shes gonna have to just take the capital gains tax hit? Thanks in advance!  <response>: Hire a corporate team of high priced lawyers to find shell companies based in the Bahamas, Montenegro, and Macau to use as tax havens and filter the money through your non-profit corporations into specialized trusts. sarcasmJust sell it and pay the taxes. 