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Shape your financial picture with smarter, more tax-efficient strategies

If you’re like most people, your taxes represent one of your largest annual expenses, yet often little or no tax planning is done to minimize your tax bill.  During tax season, tax preparers rarely have time to explore tax planning opportunities and they may not be aware of their clients' entire financial picture.  Therefore, we collaborate with our clients' tax preparers to identify and seize tax reduction opportunities.

Addressing your concerns

  • Are my retirement accounts as tax efficient as possible?
  • Am I paying more in taxes than I should be?
  • How can I minimize the effect of taxes on my estate plan?
  • How can I best marry the tax benefits I receive with my charitable giving?

Key tax strategies we consider

Our approach

One pillar of evidence-driven investing is the minimization of taxes. We continually look for ways to implement tax-efficient strategies throughout your comprehensive wealth plans. These are some of the ways we accomplish this:

  • Help you save as much as possible for retirement by analyzing the efficiency of your savings plans.
  • Look for opportunities in the portfolio to offset realized capital gains and lower taxes. We do this year-round — not only at the end of year — to ensure you don’t miss out on opportunities.
  • Help with optimal tax strategies for Roth conversions and choosing the most appropriate retirement savings plans, such as traditional or Roth IRAs and 401(k) plans.
  • Place investments strategically across savings vehicles (taxable, tax-exempt and tax-deferred accounts) to lower your overall tax bill.
  • Create and implement a plan to help increase your odds of having enough money in retirement in the most tax-efficient manner possible.
  • Leverage the knowledge and experience of our extended team who stay current on tax law changes and collaborate with us to better serve your overall wealth management plan.

A portfolio for your life

You deserve an investment plan that fits your long-term needs and risk profile, structuring your portfolio along the dimensions of expected return, using an evidence-driven investment methodology backed by over 80 years of peer-reviewed financial research and market studies.

By personalizing your plan with strategic tax planning, you can also expand potential benefits, including minimizing your tax burden. To reduce the amount of wealth eroded by taxes over your lifetime, we will help recommend and implement an overarching tax plan tailored to your individual investing goals.