We don’t just pick investments—we create a strategy to grow your money and minimize taxes.

We start with the Foundation – the right investments. Mainly, Exchange Traded Funds which are like mutual funds, just more efficient.

Next, we use Asset Location, or Smart Placement, for these investments. We put tax- friendly investments (like ETF’s and individual stocks) in taxable accounts and keep tax heavy investments (like bonds) in tax advantaged accounts like IRAs.

Year-Round Tax Management on investments is the next layer to our management system. Using a system called Tax Management Solutions (TMS), we capture losses during market dips, and strategically capture gains on the upside to maximize tax efficiencies.

Lastly, we layer on Strategic Tax Planning, with things like Roth Conversions, Tax Bracket Management, year-end tax projections, and other financial planning strategies to pull every last drop of financial efficiency possible.