Tax awareness is year-round.
Tax-aware investing is embedded in how we build portfolios, how we rebalance, and where assets are held.
This is a continuous service, not added on at year-end.
How we incorporate tax awareness into portfolios:
The forward-looking work we take on as part of the plan.
TAX LOSS HARVESTING
integrated across your overall portfolio
ASSET LOCATION
across taxable / IRA / Roth / deferred-comp
DIRECT INDEXING
for enhanced TLH
TAX EFFICIENT
fund and ETF selection
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Direct indexing and some of the more involved techniques are applied selectively — only where the after-tax and risk-management gains are clearly worth the added operational complexity for the client.
Coordinating tax credit to improve after-tax returns
BACKGROUND:
A client carried a large Foreign Tax Credit (FTC) that was approaching its 10-year expiration, alongside substantial carried capital losses.
Both were sitting unused.
OUR SOLUTION
We designed a rebalancing plan that generated capital gains primarily from foreign-sourced assets (international equity).
The foreign-source income used the FTC before it expired; the carried capital losses offset the capital gains so no tax was owed.
Two previously "stuck" assets both got put to work, and the portfolio got rebalanced in the process.
Specific mechanics depend on each client's situation. This is the kind of coordination we look for.
DIVE DEEPER:
Fee Efficiency
We push down the three layers of cost (advisory, fund-level, hidden) through quarterly rebalancing, daily cash management, and a flat advisory fee.
Schedule a first conversation.
A 30-minute call to see whether Vilga is the right fit — no cost, no pressure.
