Downsizing or cashing out your equity.

Turning equity into your next chapter

After years or decades in a home, a sale is less a transaction than a transition. The goal is to convert hard-earned equity into the life you want next, with as little tax drag and stress as possible. We start with what you actually net; see the cost of selling.

The capital gains question

Long-held homes can carry large gains. Many primary-residence sellers exclude up to $250,000 of gain ($500,000 married filing jointly) if they meet the ownership and use tests, but gains above that can be taxable, and your cost basis and any improvements matter. This is a conversation for your CPA, early, and I will make sure it happens before you list rather than after.

Preparing a home you have loved for a long time

Homes lived in for many years often need focused prep: decluttering decades of life, addressing deferred maintenance, and light updating that helps buyers see the potential. We aim for the highest-return work, not a gut project. See how to prepare your home to sell.

Timing the move and what comes after

Downsizing often means coordinating the sale with wherever you are headed next, a smaller place in the city, a move to be near family, or out of the area entirely. We time it so you are not rushed, and if your next stop is outside San Francisco, the relocating path covers that.