Tax Planning Advisor

Tax-bracket planning is the foundation of any wealth management plan.  We apply these six tax-smart investing techniques in your managed portfolio at different times throughout the year:

Tax-loss harvesting

Unlike some investment firms, which wait until year-end to search for tax-loss harvesting opportunities, we're looking at your managed portfolio throughout the year. We search for ways to integrate your existing eligible holdings into your managed account instead of selling all of your current investments to start from scratch. Transition management can help reduce the potential tax consequences. In addition, we are creating your personalized investment strategy, enhancing your ability to offset any realized gains you may have in your account.

Manage capital gains

When selling investments in your account, we'll generally first look to sell those that you've held for a more extended period. The thoughtful selection allows us to take advantage of lower long-term capital gains tax rates.

Invest in municipal bonds

When selecting bond funds for your account, we consider several different factors. When it makes sense, we may purchase municipal bond funds or individual bonds. Interest generated may be exempt from federal taxes and, in some cases, state taxes.

Transition management

When it makes sense in the context of your chosen investment strategy, we search for ways to integrate your existing eligible holdings into your managed account. Instead of selling all of your current investments to start from scratch, this approach can help reduce the potential tax consequences of creating your personalized investment strategy.

Tax-smart withdrawals

If you take money from your account, we'll seek to reduce the tax consequences of those withdrawals. We'll strive to keep sufficient cash in your account. If they're unplanned, and we have to sell securities to fund them, we'll work to reduce the tax impact of those sales.