[SirLJ]

can you please elaboration the tax inefficiency, if possible?

[saryant]

If you don’t see how this strategy is tax inefficient then you have no business doing this.

[SirLJ]

Still, if you please take a moment to share how a strategy with one change per year is tax inefficient and how it can be made better, I and I would assume everyone else here would like to hear it... Thank you.