Navigating the complex world of taxes can be challenging, especially for high net worth individuals and retirees. Our comprehensive approach utilizes six advanced techniques to keep you ahead. Here's how we do it:

Why Choose Us?

Personalized Strategies Tailored to You

We take a personalized approach, aligning our strategies with your unique financial situation and investment preferences. This ensures that every action we take is in your best interest.

Proactive Approach for Optimal Results

Our portfolio managers continuously review all your holdings, tracking individual purchase dates and searching for opportunities to minimize tax burdens. This proactive approach sets us apart.

Key Benefits of Our Approach

Asset Allocation Informed by Planning

Effective asset allocation is fundamental to successful investment management. Without a robust financial and estate plan, determining the appropriate allocation is challenging. Our approach integrates clients' financial roadmaps with their risk profiles to allocate assets in a manner reflective of their unique situations. For high-net-worth individuals, attorneys serving as trustees, and corporate trust companies, this tailored approach ensures investments align with long-term goals.

Security Selection Aligned with Objectives

With a comprehensive plan in place, security selection becomes more than assessing potential returns. It involves careful consideration of how each investment fits into the broader financial picture. Understanding the plan's structure allows us to identify investments that offer strong growth potential and advance specific financial objectives, reducing the risk of impulsive decisions that misalign with the overall strategy.

Six Techniques to Boost After-Tax Returns

1) Tax-Loss Harvesting 

Unlike many firms that wait until year-end, we monitor your portfolio throughout the year, enabling us to offset any realized gains and reduce your tax liability effectively.

2) Manage Capital Gains 

We'll prioritize selling investments held for longer periods to take advantage of lower long-term capital gains tax rates.

3) Manage Mutual Fund Distributions & Eliminate Internal Expenses 

We manage your exposure to income distributed by mutual funds, ensuring you benefit from capital gains while minimizing dividend or interest impact.

4) Invest in Municipal Bonds 

Select tax-exempt municipal bonds may be incorporated into your portfolio, reducing your federal and sometimes state tax liabilities.

5) Transition Management 

We integrate your existing holdings into your managed account when feasible, reducing the potential tax consequences of starting from scratch.

6) Tax-Smart Trust Distributions 

If you withdraw money, we aim to minimize the tax impact. We'll keep sufficient cash ready for planned withdrawals and reduce tax impact during unplanned ones.

See the Impact on Your Long-Term Returns

Improving after-tax returns can have a significant long-term impact. The chart below demonstrates how our tax-smart techniques can add value.