Tax-Efficient Investing

Many people underestimate the toll taxes can take on their investment assets over time. There’s no escaping the fact that all financial decisions have tax ramifications. Tax liabilities associated with earned income, investments, estate planning and gifting strategies can have a significant impact on your short- and long-term financial goals.

When working with a new client it is not unusual to find taxable bonds in a taxable account and tax-efficient stocks in a 401(k). These are common mistakes, but can carry significant implications. Often, an investor or their advisor may have focused solely on the performance potential of individual investments in the selection process, but this can be a critical mistake. Over time, investment gains can be significantly eroded by a strategy that fails to maximize tax efficiency.

When buying and selling investment assets within your portfolio it’s critical to have a plan in place for “tax harvesting.” Tax harvesting applies a highly tactical approach to buying and selling securities to reduce or offset taxable gains.

At Berk Wealth Management we are experienced in developing tax-efficient investment strategies for individuals, families and business owners. As independent advisors, we have access to a full array of non-proprietary financial products and services that enable us to develop highly custom tax-efficient portfolios. Our investment strategies are always tailored to your needs and may incorporate:

Exchange Traded Funds (ETFs)
Separately Managed Portfolios
Individual Securities (stocks, bonds)
Mutual Funds

Annuities
Real Estate Investment Trusts (REITs)
Alternative Investments

Contact Us to learn how Berk Wealth Management can develop a tax-efficient investment strategy aligned with your financial goals and objectives.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor. No strategy assures success or protects against loss.