TAX-EFFICIENT INVESTING
Keep more of what your portfolio earns.
Most investors focus on returns. The ones who build real wealth focus on after-tax returns. I build tax-efficiency into every layer of your financial plan.
What Tax-Efficient Investing Means
Tax-efficient investing isn't a single strategy - it's a coordinated system of decisions that reduces your tax drag year after year. Done consistently, it can add hundreds of thousands of dollars to lifetime wealth.
Asset Location
Not all accounts are taxed the same. I place tax-inefficient assets like bonds and REITs in tax-deferred accounts, and keep tax-efficient assets like index funds in taxable accounts. This simple discipline compounds significantly over time.
Tax-Loss Harvesting
I systematically identify positions trading below cost basis and sell them to realize losses that offset gains elsewhere in your portfolio, immediately reinvesting in a similar position to maintain market exposure without triggering wash-sale rules.
Roth Conversion Windows
In low-income years - early retirement, a business transition, a year between jobs - I identify opportunities to convert traditional IRA assets to Roth, filling lower tax brackets at a favorable rate that reduces future RMD obligations.
Year-Round CPA Coordination
I work directly with your CPA throughout the year, not just at tax time. Proactive communication means strategies are implemented while they can still make a difference.