diff --git a/.gitignore b/.gitignore
index 431a928..cff2bdd 100644
--- a/.gitignore
+++ b/.gitignore
@@ -10,3 +10,4 @@ fundlab/universe_cache/
 fundlab/xcheck_run.log
 fundlab/streamlit.log
 reports/report_data_adhoc.json
+notes/
diff --git a/README.md b/README.md
index 18d40dc..4affbc4 100644
--- a/README.md
+++ b/README.md
@@ -170,3 +170,9 @@ a silent no-op — it caught a mis-filed entry in CVSIX).
 Ideas: vectorbt sweeps over rebalance schemes, NiceGUI/Textual frontend,
 empyrical-reloaded metrics, monthly (not yearly) loss netting, tax-loss
 harvesting simulation.
+
+## Local notes
+
+`notes/tax.md` (gitignored) holds the personal tax profile, verified rate tables,
+inherited-IRA rules/strategy, and the vehicle plan for this account. Update it when
+tax facts change.