Introduction
Too often, tax planning is treated as an add-on, something you deal with at year-end. But over a lifetime, taxes are one of the greatest drains on wealth. Embedding tax strategy in your financial plan is essential—not optional.
The Many Levers of Tax Efficiency
- Asset location & account sequencing: Deciding which assets live in taxable, tax-deferred, and tax-free accounts.
- Roth conversions: Timing partial conversions when rates, income, or circumstances align.
- Tax-loss harvesting: Using market dips to harvest losses in taxable accounts to offset gains.
- Charitable gifting strategies: Gifting appreciated stock, using donor-advised funds, or QCDs for efficient giving.
- NUA & equity comp tax opportunities: When available, Net Unrealized Appreciation strategies can convert low-cost basis employer stock into capital gains treatment rather than ordinary income.
- Withdrawal sequencing: Planning which account to draw from first in retirement to minimize tax drag and preserve flexibility.
How Our Financial Planning Process Brings Tax Strategy to Life
Throughout the year, we revisit your plan to make sure it stays aligned with your cash flow needs, portfolio strategy, and evolving tax laws. This disciplined process transforms what could feel like a technical topic into a clear, confident roadmap—one that helps you keep more of what you earn and invest it with purpose.
Bringing it All Together
Every dollar you keep from taxes is a dollar you can invest, gift, or enjoy. When you integrate tax planning deeply into your financial plan, your investment strategy becomes more powerful and resilient. If tax drag feels like a hidden leak in your portfolio, let’s plug it together.