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Tax-Efficient Solutions

Understanding tax strategies should be part of any sound financial approach.

Some taxes can be deferred, and others can be limited through tax-efficient investing. With careful and consistent planning, you may be able to manage the impact taxes take on your financials. Planning for tax consequences of investment decisions can be an important factor in retaining more of the assets you worked hard to build.

In coordination with your tax advisor, we can help you implement tax-efficient investment strategies now and in the future to help reduce the likelihood of taxes becoming a major issue down the road. These include:

Qualified Retirement Plans – specifically for small business owners, strategies to help reduce taxable income, or take advantage of tax-free Roth 401(k) options, or increase tax-deferred retirement savings.
Tax-Loss Harvesting – helps you plan when losses should be taken on your holdings to best offset income, whether from a capital gain or even personal income, and other gains for the tax year.
We can also help recommend which tax-efficient investments are appropriate for your needs.

Some of the strategies we consider when we make recommendations include:

ETFs and Index Mutual Funds – have a passive-management style and low portfolio turnover and typically tend to be more tax-efficient than many actively managed portfolios, with lower management costs.
Tax-Managed Mutual Funds – have a specific goal of employing tax strategies within the fund to limit annual distributions and, thereby, lowering their annual tax cost to their investors.
Municipal Bonds (Munis) – offer income that is free from federal, and in some cases, state taxes.
Annuities – offer the opportunity for tax deferral outside of retirement accounts for those who wish to save more efficiently.

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