Our servicesTax Management

All of our financial plans are designed to minimize the effect of taxes.  Investing in a tax-conscious way can become burdensome and complicated.  We review our clients’ tax circumstances to optimize plans while allowing their portfolio to maintain its investment objectives.

We help maintain focus on your goal while navigating the ever-changing tax code.  Our best practices are designed to reduce tax-drag.

  • Asset allocation
  • Asset location
  • Tax harvesting
  • Sheltering strategies


How are investments taxed?
Investments are typically taxed as either long-term or short-term capital gains. Investments sold within 365 days of purchase are considered short-term capital gains and are taxed as ordinary income. Investments sold 366 days or later after purchase are considered long-term capital gains and taxed based on a graduated schedule determined by the IRS.
What is a capital gains tax?
A capital gains tax is the tax paid on the profit of an investment that has been sold. How long it was held will determine if it is considered long-term or short-term.
What is a tax-deferred account?
Tax deferred accounts are funded with money that has not been counted as income or taxed prior to being invested. Contributions and profits from a tax-deferred account will be paid upon sale and withdrawal from the account.
When do I pay the taxes on my investments?
Taxes are paid after the sale of the specified investment.
Will my beneficiaries have to pay taxes on investments they inherit?
Inherited tax-deferred retirement accounts, will require your beneficiaries to pay income tax on the investments. If the investments are held in a Roth retirement account, they will not have to pay income taxes on the investments. Investments held in a standard brokerage account will receive a step up in cost basis and profits will be taxed accordingly based on long-term or short-term capital gains rates.