The various strategies we deploy are always based on the client’s individual situation. Where appropriate we invest in low cost, tax efficient index ETFs as the core part of a portfolio. We also invest in actively managed funds or individual small cap or international stocks to add alpha to a portfolio.
When clients need permanence and definition in their portfolios, we use short and intermediate term bond ladders. We create bond ladders for clients who need to cover known expenses, such as annual lifestyle expenses in retirement and college tuition bills.
For tax sensitive clients, we actively harvest tax losses for clients to offset gains. We monitor mutual fund capital gains distribution announcements, so clients aren’t surprised by a big capital gains tax bill in the new year. In some cases, we use tax efficient investments including index ETFs and tax-free municipal bonds.
We develop charitable giving strategies not only to help manage a client’s taxation situation but to fulfill the client’s philanthropic wishes as well.