Achieving Income Tax Efficiency

  1. We seek to minimize the drag of income taxes on the growth in net worth by:
    1. exploiting opportunities to shift income from employment years, when it would bear the maximum tax burden, to retirement,
    2. utilizing investments which offer intrinsic tax efficiency, and
    3. allocating investments sensibly between tax-deferred and taxable accounts.
  2. As part of this effort, we monitor the client's annual tax situation and suggest tactics to lighten the overall burden.
  3. Where appropriate, we prepare a strategy for benefiting charity in a way that makes optimal use of the tax benefits.