Tax Efficiency

Investment turnover in individual stocks or mutual funds can lead to short-term and long- term capital gains.  Mutual funds may have significant embedded gains and in some instances you can pay taxes for economic gains you never realized based on the timing of your purchase and the structure of mutual funds. 

Tax Reduction strategies may include tax loss harvesting, asset location (by account type), distribution strategies, and managing required minimum distributions. Our objective is to ensure that our clients’ investments are optimized while reducing their overall tax burden in alignment (with the advice and preferences of their accountants when applicable).