What you may be missing
Managing investments is only a fraction of the puzzle. Here are some of the most common concerns we assess for clients.
Missing retirement options
Should you be contributing to a pre or post tax retirement account? Should excess funds go to your employer plan, or are they better suited in a Roth? If you’re a high earner, are you doing your backdoor Roth or Mega backdoor? Are you using your HSA like a retirement specialist?
Equity comp risk
Paid in ISOs, RSUs, or any material equity comp? Your tax and concentration picture gets complex quickly. Not to mention AMT. We’ll assess your tax and investment approach across multiple scenarios.
Too much/little cash
We perform a cash flow analysis to understand your needs, and then determine the right balance of cash to hold + how optimize said balances (e.g., HYSA, MMF, BOXX). Too much cash can miss on long-term growth, too little can cause material stresses.
Portfolio concentration
Hit it big on an AI name or have a material % of your wealth in your employer stock? We’ll assess how much is too much, and propose options for diversifying in a tax efficient manner (e.g., phased selling, direct indexing, exchange funds, etc.)
Missing tax loss harvesting
When the market is volatile, a carefully crafted portfolio can often harvest losses for future tax benefits without changing your overall portfolio allocation. We implement this for all clients where possible.
Ignoring asset location
You’ve likely heard of asset allocation, but asset location can be just as impactful. Strategically moving asset types to tax advantaged accounts limits tax drag and maximizes take home $s.
Not leveraging charitable tax advantages
Charitable giving can be an amazing way to give back, but most clients are not maximizing their giving. When done strategically, there are many opportunities for tax benefits and portfolio diversification.
Disconnected / no estate plans
Only about ¼ of adults have any form of an estate plan, much less one that is in harmony with your investment accounts. We provide free access to estate creation tools to set up your will & trust, and we ensure it stays coordinated across your financial life.
Poor debt management
Not all debt it bad. In fact, we often recommend clients take on more of the right kind of debt. But the wrong debt can completely blow up a plan. We’ll assess mortgages, refi opps, SBLOCs, and box option loans to make the most of your funds.
