At Apprise, we believe taxes and investing are joined at the hip. You should always consider taxes when investing. That doesn’t mean you have to let the tax tail wag the dog, but it does mean you shouldn’t overlook taxes. Good tax planning can reduce your tax bill. That leaves you more money to spend today or save for tomorrow. We maintain a focus on long-term gains and tax sensitivity.
We will apply principles of Asset Location – which assets belong in which account types from a tax perspective – to your portfolio. We also help you decide when to complete Roth conversions. We can help you allocate your workplace retirement savings between a 401k and a Roth 401k, when applicable. If you have a high-deductible healthcare plan, we will help you decide if a Health Savings Account is appropriate and how to use it most effectively.
While working, we focus on saving. When we retire. Things change. Now we must determine the most efficient way to withdraw money from our retirement accounts. Not sure of the best withdrawal strategy? We will help you understand your options and what approach makes the most sense for your situation.
As part of our process, we will also review your tax return to look for tax planning ideas.
Our planning services may encompass one or more of the following areas: Investment Planning, Retirement Planning, Wealth Creation, Budget Analysis, and Mortgage/Debt Analysis. We will refer clients to an accountant, attorney, or other professional as necessary for non-advisory related services.