How do you tax optimize?

There are several ways we work to reduce your tax bill. First is avoiding mutual funds, which are horribly tax inefficient. Second is tax allocation. For individuals with both taxable accounts and retirement accounts, this means placing the right investments in the right accounts. High yielding stocks and fixed income generally go into tax deferred or exempt accounts. REITs pay non-qualified dividends and should also be owned in retirement accounts. Third is tax loss harvesting. Because we use individual securities, we can realize losses to offset gains or provide a deduction.


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