Tax awareness is year-round.
Tax-aware investing is core to our decision making.
We're constantly thinking of balancing tax efficiency, complexity, and overall impact to our target result.
How we incorporate tax awareness into portfolios:
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. We assess whether after-tax and risk-management gains are worth the added operational complexity.
Coordinating across accounts to improve after-tax outcomes
BACKGROUND:
A client held two tax attributes that couldn't be used on their own, each sitting in a different part of the financial picture.
Both were going unused.
OUR SOLUTION
We looked at the two together rather than separately, and built a plan that put each one to work where it actually applied.
The result was a lower overall tax bill, with the portfolio brought back to target along the way.
Two previously "stuck" assets got used, and the plan stayed intact.
Specific mechanics depend on each client's situation. This is the kind of coordination we look for.