Tax Smart Investing & Planning

Tax-managed investments: Tax-Managed investments are strategically diversified portfolio solutions seeking to grow after-tax wealth. They are designed to address wide-ranging investment goals, circumstances, and preferences including growth, capital preservation, and tax sensitivity.

Portfolio management: tax-managed investment principles for after-tax portfolio management: • Managing holding periods • Deferring realized gains • Reducing turnover • Selecting tax lots • Minimizing wash sales • Managing portfolio yield • Harvesting losses • Centralizing the portfolio management of multiple managers.

Portfolio design: We design strategies to mitigate the tax drag in equity portfolios beyond just tax-loss harvesting. These principles are not just implemented once a year, rather, they are implemented throughout the course of a market cycle to help ensure attractive after-tax returns even during times of volatility.

Capital gains reduction strategies: Focus to maximize after-tax wealth by employing a variety of active tax-management strategies throughout the course of a market cycle by managing holding periods, deferring realized gains, reducing turnover, selecting tax lots, minimizing wash sales, managing portfolio yield, and harvesting losses.

Financial planning follows a series of processes, leading to financial clarity. As an ongoing process, align your goals with actionable plans, reduce your stress about money, and provide your financial roadmap, with checkpoints, to ensure that you're on track, and ultimately achieve your goals.

Retirement planning: The establishment of a timeline prior to and the overall duration of retirement, how much income will be needed to replace income needs, saving strategies for taxable and tax-deferred investments, cash reserves, future expenses, social security claiming strategies, and examining health planning.

Tax planning: Strategic planning for current and future tax considerations. Balancing financial decisions and tax implications for how you receive income, which investments are chosen and how they are managed, types of retirement accounts, business entity structure, capital expenses, and positioning for windfalls.

Estate planning: An alignment of wealth with generational planning. Evaluation of income needs and legacy considerations, protecting one's assets, accessing tax implications, strategies for efficiently transferring wealth to family, philanthropic considerations, and protecting business interests.

Trust planning: The process of protecting assets from tax implications, organizing allocations to family, philanthropic, and business interests by designating assets, amounts, timing, duration of distributions, as well as assignment of whom and how to execute your wishes.

Income planning: Initially establishing a budget strategy for basic expenses. Management of distribution and withdrawals of retirement and investment income, social security claiming strategies, planning for health care and taxation in retirement, and risk mitigation for unforeseen financial concerns in retirement.

Independent insurance brokerage: without any organizational ties to any one company, we examine all "A" rated carriers for your best options and considerations based on your needs.

Whole life insurance: Permanent life insurance for long-term financial planning, built around insurance teamed with investment growth based on the crediting of annual dividends, not correlated to the stock market, but the profit sharing of the insurance company's profitability. Tax-free growth within the policy design.

Universal life insurance: Permanent life insurance for long-term financial planning, built around insurance teamed with investment growth that is generally based on Index or Mutual Fund investing correlated to the stock market, and not the profitability of the insurance company. Tax-free growth within the policy design.

Term life insurance: Your best option for low-cost, structured time duration life insurance to provide a tax-free death benefit for personal or business needs.

Key employee insurance: Key person insurance is a financial cushion if the sudden loss of an owner or critical employee would financially devastate the company's operations. The death benefit buys the company time to find a new person or to implement other strategies to maintain the business or to prepare it for sale.

Income protection insurance: Income protection insurance can provide non-taxable replacement income that can coordinate with employer coverage and state disability for W2 employees, or business owners who receive income in the form of bonus, profit sharing, or percentage of revenue in the event of illness, sickness or injury.

Business overhead insurance: Much in the way you protect your personal property or liability, business overhead insurance provides the opportunity to protect the principal expenses of your business in the event that you are unable to work due to illness or injury to manage your own contributions to maintain your operation.

Long term care: Where health insurance ends, long-term care insurance begins by providing coverage for critical, chronic, or terminal health issues. Services provide for professional medical care for in-home health care, skilled nursing facility, or hospice care. Provides for fixed medical expenses to be covered.