How will it look in the long-run?
Every decision we make with our clients is looked at through the lens of a long-term time horizon. We focus on helping our clients pursue their goals over the long-term. We rely on Modern Portfolio Theory as the backbone of our investment strategy and focus on the following investment techniques:
- Asset Allocation - A proper balance of assets across all risk spectrums.
- Asset Location Strategies - Investments placed in the proper accounts for the most favorable tax treatment.
- Diversification - Avoiding overconcentration of assets in single asset classes.
- Individual Risk Exposure - Understanding each client’s risk tolerance.
- Cost Analysis - Choosing financial instruments carefully, assessing costs
- Tax Exposure - Assessing a client’s portfolio for overall tax exposure.
Strategic Tax Planning
Don’t forget your financial partner: Uncle Sam.
The hardest thing to understand in the world is the income tax. - Albert Einstein
A good plan shows the compounding benefits of tax deferral, and alternatively, how the power of tax-free distributions can play out into the future. More advanced plans can model certain capital gains strategies, including tax-loss harvesting, which helps to offset investment gains and preserve more of your principal.
Strategic tax planning can reduce income tax, capital gains, and estate taxes. The earlier you start, the more you get to keep more of what you earned”
The goal should be to eliminate unnecessary tax drag while preserving investable assets and investment income to amplify long-term wealth.
Reduce drag and amplify wealth. We deploy strategies that include:
- Asset Location Strategies
- Investment products that provide long-term tax benefits.
- Life insurance products that build tax-advantaged capital for retirement.
- Income-splitting for spouses or common-law couples.
- Charitable donations to not only invest in your community but also maximize tax credits.
Smarter Wealth Transfers
It is an unfortunate reality that hard earned wealth is often unnecessarily lost because a disciplined and appropriate estate plan was not executed.
Do you know how much federal and state tax you are facing now and in the future?
- Reducing income taxes is one half of the equation. The other half is proper estate planning. The end of the calendar year is also the trigger event for minimizing inheritance taxes.
- To create a legacy of your own making, a wealth advisor with tax expertise can help you build a plan to smoothly transfer wealth across generations or to facilitate your philanthropic goals.
Asset allocation does not assure or guarantee better performance/profit and cannot eliminate the risk of investment losses in declining markets. Diversification does not assure or guarantee better performance/profit and cannot eliminate the risk of investment losses in declining markets.
