Tax-Efficient Investing

Everyone has heard the term diversification. In a nutshell it means, “don’t put all your eggs in one basket.”  In investing that means you need to own domestic stocks, international stocks, large caps, mid caps, bonds, gold, etc. But did you know that having tax diversification is almost as important? How are your investments taxed?  Do you pay capital gains as they grow?  Are you taxed when you take distributions in retirement? Are you taxed now but not later?  Again, you’ll hear our recurring theme of not having a “cookie cutter” mentality when it comes to your finances. Just because the status quo says to max out your 401(k) doesn’t mean it is the correct thing for you.  You need to look at the big picture. That is where we come in. We will take the 30,000 foot view of your portfolio and make sure you aren’t being penny-wise and pound-foolish. We all need to pay our “fair share” in taxes, but it is our job to make sure you don’t pay a nickel more.

Contact us today for an analysis of your portfolio.

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