Search found 106 matches

by Coolguy8877
Tue May 18, 2021 10:51 am
Forum: Personal Investments
Topic: Mobile check investment -- not working (3 days)
Replies: 16
Views: 1606

Re: Mobile check investment -- not working (3 days)

Is Vanguard's mobile check investment broken for anyone else right now? I'm trying to add funds to my Roth IRA via an after-tax-401k-in-service-distribution paid out as a check. Check is payable to Vanguard, FBO <me>, and this has always worked. I've done it this way about 5 times over the past cou...
by Coolguy8877
Thu May 13, 2021 6:24 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth request - Sample Email?
Replies: 4
Views: 458

Re: Mega Backdoor Roth request - Sample Email?

This is probably very dependent on company size and offerings. I’ve been trying to see if my megacorp will lift the cap on after-tax contributions for over 2 years after learning they put the cap in place over 15 years ago to comply with discrimination testing and haven’t given it a second thought s...
by Coolguy8877
Mon May 03, 2021 11:24 am
Forum: Personal Investments
Topic: 2021 Portfolio Review: Bye Student Loans, Hello First Child
Replies: 3
Views: 498

Re: 2021 Portfolio Review: Bye Student Loans, Hello First Child

Adding municipal bonds in the taxable account is probably smart, but I'd be careful about using any state-specific fund. Illinois is seen as a high(er) risk state. Using a nationally focused fund would probably be a solid choice. Vanguard is pretty much the best-of-breed when it comes to municipal ...
by Coolguy8877
Sun May 02, 2021 11:04 am
Forum: Personal Investments
Topic: 2021 Portfolio Review: Bye Student Loans, Hello First Child
Replies: 3
Views: 498

2021 Portfolio Review: Bye Student Loans, Hello First Child

Emergency funds : Yes, funded Debt: Student Loans; Recently effectively paid off nearly 500k between DW and I over the past 7 years! ~12k left @ 0.12% interest with 3.5yrs left, paying minimums until payoff or interest rate increases. No cc debt, car loans, or mortgage Tax Filing Status: Married Fi...
by Coolguy8877
Tue Apr 20, 2021 11:58 am
Forum: Personal Investments
Topic: Input on taxable bond plan
Replies: 9
Views: 823

Re: Input on taxable bond plan

2. For those in a similar situation, how did you determine what muni bond fund to go with? Vanguard seems to have the lowest cost (by ER) muni options. I am considering the following. Are there others to consider? Vanguard muni funds under consideration: -Vanguard Select Funds Tax-Exempt Bond ETF (...
by Coolguy8877
Mon Apr 19, 2021 10:23 am
Forum: Personal Investments
Topic: Input on taxable bond plan
Replies: 9
Views: 823

Re: Input on taxable bond plan

After some consideration I am plan to shift our bond holdings to our taxable account. Why, exactly? Regards, A few reasons. High income that is expected to increase over time allowing for substantial taxable account contributions. Only have access to actively managed bond funds in pre-tax 401ks (st...
by Coolguy8877
Sun Apr 18, 2021 7:09 pm
Forum: Personal Investments
Topic: Input on taxable bond plan
Replies: 9
Views: 823

Re: Input on taxable bond plan

After some consideration I am plan to shift our bond holdings to our taxable account. Why, exactly? Regards, A few reasons. High income that is expected to increase over time allowing for substantial taxable account contributions. Only have access to actively managed bond funds in pre-tax 401ks (st...
by Coolguy8877
Sun Apr 18, 2021 5:51 pm
Forum: Personal Investments
Topic: Input on taxable bond plan
Replies: 9
Views: 823

Input on taxable bond plan

My spouse and I are both 33yo, reside in IL, and would like to retire early (50-55yo). We file MFJ and are in the 35% tax bracket. We fully fund all tax-advantaged accounts, and after funneling every extra dollar towards a mountain of student loan debt they are finally gone! Now we are looking to sh...
by Coolguy8877
Mon Apr 12, 2021 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: T-mobile Money
Replies: 29
Views: 4198

Re: T-mobile Money

Currently have 6 figures in my account and received the commensurate monthly interest. Transferred 5 figures in without issue when initiating from another institution. The instant they make any changes to the 1% I plan on bailing, especially because they have no joint account options or ability to n...
by Coolguy8877
Sun Apr 11, 2021 9:22 am
Forum: Personal Consumer Issues
Topic: Comfortable Men's Flip Flops?
Replies: 81
Views: 6767

Re: Comfortable Men's Flip Flops?

I’m surprised no one has mentioned havianas. Soft, inexpensive, and large selection. I have 2 pair I rotate and prefer a fabric strap instead of rubber.
by Coolguy8877
Sun Apr 04, 2021 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Megacorp imposed 401k After-tax contribution cap
Replies: 26
Views: 2379

Re: Megacorp imposed 401k After-tax contribution cap

My wife’s 401k with International MegaCorp Pharma has a 12% employer contribution (6% match, 6% safe harbor), and no cap on after-tax spillover (up to Federal limits of $64.5k with catch up). There is a Roth conversion. The no company caps on 401k is likely due to the fact that most in the company ...
by Coolguy8877
Sun Apr 04, 2021 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Megacorp imposed 401k After-tax contribution cap
Replies: 26
Views: 2379

Re: Megacorp imposed 401k After-tax contribution cap

The megacorp i worked at previously slowly went from 15%, to 20%, to 25% to 30% to 50% total contributions (pretax, Roth, aftertax combined). They did it in steps over 10 years to make sure they wouldn't fail plan testing. No different limits for HCE or non-HCE. I am far from an expert on what it t...
by Coolguy8877
Sun Apr 04, 2021 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Megacorp imposed 401k After-tax contribution cap
Replies: 26
Views: 2379

Re: Megacorp imposed 401k After-tax contribution cap

The one I worked at until recently capped post tax contributions at 10% of each paycheck or bonus. New employer isn’t set up for Megabackdoor unfortunately so the 10% cap doesn’t sound so bad now DW’s company also caps after tax contributions at 10% of gross income. She still hits the combined max ...
by Coolguy8877
Sun Apr 04, 2021 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Megacorp imposed 401k After-tax contribution cap
Replies: 26
Views: 2379

Re: Megacorp imposed 401k After-tax contribution cap

The megacorp i worked at previously slowly went from 15%, to 20%, to 25% to 30% to 50% total contributions (pretax, Roth, aftertax combined). They did it in steps over 10 years to make sure they wouldn't fail plan testing. No different limits for HCE or non-HCE. I am far from an expert on what it t...
by Coolguy8877
Sat Apr 03, 2021 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp imposed 401k After-tax contribution cap
Replies: 26
Views: 2379

Re: Megacorp imposed 401k After-tax contribution cap

. Surprisingly they indicated that they receive very little feedback from employees about the plan. Reading between the lines I assume this is largely due to the frontline HR folks just giving boilerplate answers that aren’t terribly helpful so they give up trying (and probably few employees actual...
by Coolguy8877
Sat Apr 03, 2021 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp imposed 401k After-tax contribution cap
Replies: 26
Views: 2379

Re: Megacorp imposed 401k After-tax contribution cap

No provision for after tax in my company's 401k, other than the option for Roth 401k. Still limited to 19.5k plus catch up. This seems to be the most common situation unfortunately. My spouse just changed jobs and the new company does not offer after-tax and has a pretty small match. It is a small ...
by Coolguy8877
Sat Apr 03, 2021 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Megacorp imposed 401k After-tax contribution cap
Replies: 26
Views: 2379

Megacorp imposed 401k After-tax contribution cap

For those of you at large companies with access to after-tax contributions (enabling mega backdoor), are you subject to any company imposed limits on your after-tax contributions? I am aware of the IRS cap. I’m curious because my employer caps after-tax contributions to 10% of my paycheck. I have to...
by Coolguy8877
Sat Mar 27, 2021 8:50 am
Forum: Personal Finance (Not Investing)
Topic: IRS Announcement 2021-7: PPE Deduction
Replies: 3
Views: 530

IRS Announcement 2021-7: PPE Deduction

https://www.irs.gov/pub/irs-drop/a-21-07.pdf

Am I interpreting this right? COVID PPE costs are deductible if medical expenses exceed 7.5% of income (AGI). Also, PPE costs are HSA reimbursable? I’m specifically interested in the latter.
by Coolguy8877
Fri Mar 12, 2021 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse switching jobs, can I still contribute to HSA?
Replies: 2
Views: 203

Re: Spouse switching jobs, can I still contribute to HSA?

You can still contribute to your HSA unless your spouse's FSA covers you (even if you don't actually use it). If you are covered by the FSA then you are no longer an eligible individual for HSA contributions. An exception would be if the FSA is a limited purpose FSA that only pays dental and vision...
by Coolguy8877
Fri Mar 12, 2021 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse switching jobs, can I still contribute to HSA?
Replies: 2
Views: 203

Spouse switching jobs, can I still contribute to HSA?

DW will be switching jobs soon. We currently work for the same employer, but each have individual HDHPs with HSAs because for some reason it is cheaper vs covering both of us under one employee+spouse plan (this is the case even after verifying the spousal surcharge does not apply since we're at the...
by Coolguy8877
Sun Mar 07, 2021 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: T-mobile Money
Replies: 29
Views: 4198

Re: T-mobile Money

I have wondered the same. I don’t see how they can offer 1% when most HYSAs hover around 0.5%. The new debit card requirement seems like it may foreshadow future changes. I expect to see either a cap on amounts eligible for 1% or a reduction of the interest on any amount similar to other HYSAs. I wi...
by Coolguy8877
Fri Feb 19, 2021 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: T-mobile Money
Replies: 29
Views: 4198

Re: T-mobile Money

Color me annoyed, I just set this up last month, set up a monthly auto transfer etc. and today got this email: On March 31, we plan to make the following changes: Eligible customers will no longer be required to deposit $200 per month to qualify for 4.00% APY.* Instead, when you use your T Mobile M...
by Coolguy8877
Tue Feb 09, 2021 9:10 pm
Forum: Personal Investments
Topic: Total Comp Battle: Restricted Stock Units (RSUs) vs Incentive Stock Options (ISOs)
Replies: 25
Views: 1669

Re: Total Comp Battle: Restricted Stock Units (RSUs) vs Incentive Stock Options (ISOs)

<r><QUOTE author="benderbr" post_id="5802248" time="1612841376" user_id="168887"><s>[quote=benderbr post_id=5802248 time=1612841376 user_id=168887]</s> Did your wife come to a decision?<br/> <br/> Also can you share these stats:<br/> 1. If you zero out the options at the new company and value curren...
by Coolguy8877
Tue Feb 09, 2021 11:50 am
Forum: Personal Finance (Not Investing)
Topic: T-mobile Money
Replies: 29
Views: 4198

Re: T-mobile Money

Heads up about 3k daily limit on deposits and withdraws. Otherwise ok for me. This is annoying limitation but you can push/pull from your other bank at higher limits. I opened the T-Mobile account about 3 months ago and will be using it for emergency fund until higher consistent rate shows up. Just...
by Coolguy8877
Mon Feb 08, 2021 11:56 pm
Forum: Personal Investments
Topic: Total Comp Battle: Restricted Stock Units (RSUs) vs Incentive Stock Options (ISOs)
Replies: 25
Views: 1669

Re: Total Comp Battle: Restricted Stock Units (RSUs) vs Incentive Stock Options (ISOs)

Compensation aside, DW wants to work at prospective employer for a wide variety of other reasons. If this isn’t going to result in financial stress on the family, I’m surprised more responses haven’t picked up on this. DW’s happiness should be given heavy weight. JMHO. Regardless of the financial i...
by Coolguy8877
Mon Feb 08, 2021 12:13 am
Forum: Personal Investments
Topic: How to keep bonds in the pre-tax side of pre-tax 401k and stocks in the post-tax/Roth side with Mega Backdoor Roth?
Replies: 11
Views: 751

Re: How to keep bonds in the pre-tax side of pre-tax 401k and stocks in the post-tax/Roth side with Mega Backdoor Roth?

I have the same issue at my megacorp. All 401k contributions get invested the same regardless of contribution type (pre-tax, Roth, after-tax). As a result I withdraw/rollover my after-tax contributions as often as I’m able to a Roth IRA. They are invested in the 401k plan until they are withdrawn, b...
by Coolguy8877
Sun Feb 07, 2021 5:09 pm
Forum: Personal Investments
Topic: Total Comp Battle: Restricted Stock Units (RSUs) vs Incentive Stock Options (ISOs)
Replies: 25
Views: 1669

Re: Total Comp Battle: Restricted Stock Units (RSUs) vs Incentive Stock Options (ISOs)

Is this smaller company already publicly listed? At one end of the analysis, you should also use the standard quantitative valuations. For RSUs, multiply # of shares x share price. For a large company, you'll have a range of values depending on where you think the share price will be. At grant, the...
by Coolguy8877
Sun Feb 07, 2021 4:59 pm
Forum: Personal Investments
Topic: Total Comp Battle: Restricted Stock Units (RSUs) vs Incentive Stock Options (ISOs)
Replies: 25
Views: 1669

Re: Total Comp Battle: Restricted Stock Units (RSUs) vs Incentive Stock Options (ISOs)

Thanks OP for posting. I have a cousin who is facing a similar situation: how to negotiate megacorp comp with start-up comp. Specifically, extending this situation: how much does the granted RSU “worth” when compared to ISO grants? For example, let’s say one is walking away from 1000 RSUs when taki...
by Coolguy8877
Sun Feb 07, 2021 4:53 pm
Forum: Personal Investments
Topic: Total Comp Battle: Restricted Stock Units (RSUs) vs Incentive Stock Options (ISOs)
Replies: 25
Views: 1669

Re: Total Comp Battle: Restricted Stock Units (RSUs) vs Incentive Stock Options (ISOs)

If being offered ISOs (make sure they aren’t NSOs), negotiate for early exercise and file an 83(b). Start the capital gains clock, exercise at strike price for likely zero AMT impact, and, if the company is early enough, qualify for QSBS. From what we know from HR at this point, the options are ISO...
by Coolguy8877
Sun Feb 07, 2021 12:08 pm
Forum: Personal Investments
Topic: Total Comp Battle: Restricted Stock Units (RSUs) vs Incentive Stock Options (ISOs)
Replies: 25
Views: 1669

Re: Total Comp Battle: Restricted Stock Units (RSUs) vs Incentive Stock Options (ISOs)

You have already made the comparison. RSUs are basically cash compensation based on the large company stock price in the short run. In the money ISOs are a leveraged position in the company stock price but with a downside limit that you get nothing when they are out of the money. It is really just ...
by Coolguy8877
Sun Feb 07, 2021 11:02 am
Forum: Personal Investments
Topic: Total Comp Battle: Restricted Stock Units (RSUs) vs Incentive Stock Options (ISOs)
Replies: 25
Views: 1669

Total Comp Battle: Restricted Stock Units (RSUs) vs Incentive Stock Options (ISOs)

I previously posted about determining the value of the mega backdoor Roth as it relates to a potential job offer for DW. Similarly I am working through comparing Restricted Stock Units (RSUs; what DW gets from current stable megacorp) and ISOs (Incentive Stock Options; what the prospective employer ...
by Coolguy8877
Sun Jan 31, 2021 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: T-mobile Money
Replies: 29
Views: 4198

Re: T-mobile Money

Heads up about 3k daily limit on deposits and withdraws. Otherwise ok for me. This is annoying limitation but you can push/pull from your other bank at higher limits. I opened the T-Mobile account about 3 months ago and will be using it for emergency fund until higher consistent rate shows up. Just...
by Coolguy8877
Sat Jan 30, 2021 10:20 am
Forum: Investing - Theory, News & General
Topic: Does anyone feel like you are doing investing all wrong?
Replies: 127
Views: 10515

Re: Does anyone feel like you are doing investing all wrong?

anonsdca wrote: Fri Jan 29, 2021 10:53 pm I think what you need to understand is that there are MANY investing strategies. BH is one. Not the best, not the worst, just one. There are many others. What works for you is the right answer for you. What works for others is the right answer for them.
What strategies are better than BH? :D
by Coolguy8877
Mon Jan 25, 2021 9:19 pm
Forum: Personal Investments
Topic: Mega backdoor: Roth 401k vs Roth IRA
Replies: 10
Views: 976

Re: Mega backdoor: Roth 401k vs Roth IRA

I successfully completed my first after-tax 401k to roth IRA rollover/conversion. I received incorrect information from my 401k custodian previously and can only initiate requests every 90 days vs as often as I like. This isn't a problem since I planned on doing it quarterly anyway. :D Now that I h...
by Coolguy8877
Mon Jan 25, 2021 2:13 pm
Forum: Personal Investments
Topic: Mega backdoor: Roth 401k vs Roth IRA
Replies: 10
Views: 976

Re: Mega backdoor: Roth 401k vs Roth IRA

I successfully completed my first after-tax 401k to roth IRA rollover/conversion. I received incorrect information from my 401k custodian previously and can only initiate requests every 90 days vs as often as I like. This isn't a problem since I planned on doing it quarterly anyway. :D Now that I ha...
by Coolguy8877
Fri Jan 22, 2021 8:45 pm
Forum: Personal Investments
Topic: Calculating the value of Mega Backdoor Roth
Replies: 12
Views: 1019

Re: Calculating the value of Mega Backdoor Roth

+1 to the points that the job may not be willing to adjust their pay rate, that you should probably pick a job based on other factors (on balance), and that any such value would depend upon speculative inputs. With that said.... I'd also like to understand what the value of this is. I drew up a rea...
by Coolguy8877
Fri Jan 22, 2021 3:47 pm
Forum: Personal Investments
Topic: Calculating the value of Mega Backdoor Roth
Replies: 12
Views: 1019

Re: Calculating the value of Mega Backdoor Roth

DW is considering a job at a new company. Current company offers mega back door Roth (after-tax contributions) in the 401k plan up to 10% of salary. These ultimately get rolled over to a Roth IRA as often as possible. When thinking about total comp, how would one calculate the value of the MBR? If ...
by Coolguy8877
Thu Jan 21, 2021 10:56 pm
Forum: Personal Consumer Issues
Topic: playstation 5
Replies: 34
Views: 3178

Re: playstation 5

I was able to score one from Walmart mid-December. I turned on Twitter notifications from both TheSiteSupply and spieltimes who both tweet updates when stock becomes available. Took about 4 different restocks at Best Buy, Amazon, and Walmart before I was finally able to not only get one in my shoppi...
by Coolguy8877
Thu Jan 21, 2021 7:17 pm
Forum: Personal Investments
Topic: Calculating the value of Mega Backdoor Roth
Replies: 12
Views: 1019

Calculating the value of Mega Backdoor Roth

DW is considering a job at a new company. Current company offers mega back door Roth (after-tax contributions) in the 401k plan up to 10% of salary. These ultimately get rolled over to a Roth IRA as often as possible. When thinking about total comp, how would one calculate the value of the MBR? If t...
by Coolguy8877
Thu Jan 21, 2021 7:08 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth: what to do if the plan doesn't allow me to invest my after-tax contribution separately?
Replies: 11
Views: 858

Re: Mega Backdoor Roth: what to do if the plan doesn't allow me to invest my after-tax contribution separately?

There is a work around. You can send only the after-tax contributions to Roth IRA and send the earnings tIRA (and then move them back to the 401k if you want and if they will accept it). Some companies make this easy and some do not. Some people here do it that way. Yup, this is the way I do it. I'...
by Coolguy8877
Sat Jan 09, 2021 2:57 pm
Forum: Investing - Theory, News & General
Topic: Register NOW for these Bogleheads Speaker Series Events
Replies: 128
Views: 16249

Re: Register NOW for these Bogleheads Speaker Series Events

Was todays speaker series recorded? If so will it be posted?
by Coolguy8877
Thu Dec 31, 2020 9:41 pm
Forum: Personal Investments
Topic: Mega backdoor: Roth 401k vs Roth IRA
Replies: 10
Views: 976

Re: Mega backdoor: Roth 401k vs Roth IRA

You and I may be working for the same employer, is it a financial firm in New York, without getting too specific? ;) I have resolved this problem through investing 100% in stocks, in a 80:20 ratio between S&P 500 index and S&P completion index fund in my 401k. All contributions, both Tradit...
by Coolguy8877
Thu Dec 31, 2020 10:56 am
Forum: Personal Investments
Topic: Mega backdoor: Roth 401k vs Roth IRA
Replies: 10
Views: 976

Mega backdoor: Roth 401k vs Roth IRA

My employer allows 10% of pay to be contributed after-tax to my 401k. The investment options are great low cost institutional funds, however, all contributions types are invested based on the portfolio investment elections (eg. you can’t elect Roth contributions be invested differently than pre-tax ...
by Coolguy8877
Tue Dec 01, 2020 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Realizing losses
Replies: 3
Views: 398

Re: Realizing losses

While there is an unlimited dollar-for-dollar offset if you have compensating gains and losses there is an federal tax limit of $3,000 of losses that can be applied against other income. So if you sold your losses next year you would be limited to offsetting $3,000 of other income and the balance o...
by Coolguy8877
Tue Dec 01, 2020 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Realizing losses
Replies: 3
Views: 398

Realizing losses

I have several individual stock holdings from before I adopted the boglehead philosophy/3-fund portfolio. I have a net gain on these holdings subject to 20% long-term capital gains tax. 2020 and anticipated 2021 marginal tax rate is 35% with estimated effective tax rate of 21%, (possibly a percent o...
by Coolguy8877
Sun Oct 11, 2020 6:43 pm
Forum: Personal Consumer Issues
Topic: Hiking Smokey Mountain NP. Advice please
Replies: 14
Views: 1375

Re: Hiking Smokey Mountain NP. Advice please

+1 for Bryson City. Did a week at a remote vacation rental in early September and it was great. Great hiking, waterfalls, etc within an hour in any direction and the drive to those locations is as fun as the activity itself. Cherokee would be a bit more convenient if prioritizing activities in the p...
by Coolguy8877
Sun Oct 11, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: Replacement Wi-Fi 6 Router
Replies: 53
Views: 5272

Re: Replacement Wi-Fi 6 Router

Picked up a TP-Link Archer AX50 (WiFi 6) for a smallish apartment after I got tired of my 6yo ASUS 5g band dropping frequently. Great improvement and actually get the speed I pay for from my ISP. Probably would hard wire with access points or go the mesh route in a larger space though.
by Coolguy8877
Thu Sep 10, 2020 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Paying estimated taxes vs waiting to pay until filing
Replies: 6
Views: 832

Re: Paying estimated taxes vs waiting to pay until filing

Married couples earning $150k or more need to withhold (or pay estimated) 110% of their previous year’s tax obligation to stay in safe harbor. If you do that I can’t think of another reason to pay additional estimated tax. https://www.irs.gov/pub/irs-pdf/p505.pdf Must have overlooked the footnote i...
by Coolguy8877
Thu Sep 10, 2020 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Paying estimated taxes vs waiting to pay until filing
Replies: 6
Views: 832

Paying estimated taxes vs waiting to pay until filing

Finally got around to plugging DWs and my info (MFJ) into the IRS tax withholding calculator this year after getting married last year (we still haven't updated our W-4 withholding :oops: ). Looks like we will have a decent 2020 tax bill come filing time (~16k). We've decided not to increase our wit...
by Coolguy8877
Tue Aug 11, 2020 11:24 pm
Forum: Personal Consumer Issues
Topic: SOLVED was: Ideas for hard-to-find OTC supplement?
Replies: 11
Views: 875

Re: SOLVED was: Ideas for hard-to-find OTC supplement?

Depending on what you need and your access to a local independent pharmacy (there are fewer and fewer these days), you could try asking a pharmacist at one of these locations. They may be able to order and possibly compound the dosage you need. There are also some compounding pharmacies that may off...