Investment Planning

Let us become your partner in reviewing your investment ideas with you. We’re confident that we can recommend the best structure to maximize your after-tax return.

Be careful not to ignore the impact of taxes on your investments. While taxes should not drive your investment strategy, understanding how they affect your earnings will help you minimize taxes and maximize your return.

Consider these items:

  • Capital gains and certain qualified dividends carry a favored tax status. Consider putting more dollars in investments that return dividends and capital gains.
  • You can take an annual deduction of up to $3,000 of capital losses in excess of capital gains. Consider balancing your winners and losers to maximize this deduction each year.
  • Investments that produce high taxable annual income can be assigned to family members who are in lower tax brackets, thereby saving on taxes for the overall family group.
  • Depending on your tax bracket, you may benefit from investing in municipal bonds. The level of these investments may need to be adjusted as your total income picture changes.

For more information, check out our list of links to other sites with investing information.