Managing investments is only a fraction of the puzzle
Here are some of the most common concerns we assess for clients.
- 01
Missing retirement options
Pre-tax or post-tax? Employer plan or Roth? If you are a high earner, are you doing your backdoor Roth or mega backdoor? Are you using your HSA like a retirement specialist?
HSAs and FSAs - 02
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 assess your tax and investment approach across multiple scenarios.
AMT surprises - 03
Too much or too little cash
We run a cash flow analysis, then set the right balance to hold and how to optimize it, such as HYSA, MMF, or BOXX. Too much cash misses long-term growth. Too little causes material stress.
The emergency fund - 04
Portfolio concentration
Hit it big on an AI name, or hold a material share of your wealth in employer stock? We assess how much is too much and propose tax-efficient ways to diversify: phased selling, direct indexing, exchange funds.
Direct indexing - 05
Missing tax loss harvesting
In volatile markets, a carefully crafted portfolio can harvest losses for future tax benefit without changing your allocation. We implement this for all clients where possible.
See the possible impact - 06
Ignoring asset location
You have heard of asset allocation. Asset location can matter just as much. Moving asset types into tax advantaged accounts limits tax drag and maximizes take home dollars.
- 07
Not leveraging charitable tax advantages
Charitable giving is a great way to give back, but most people are not maximizing it. Done strategically, there are real tax benefits and diversification opportunities.
Donating shares - 08
Disconnected or missing estate plans
Only about one quarter of adults have any form of estate plan, much less one in harmony with their investment accounts. We provide free access to estate creation tools and keep it coordinated.
- 09
Poor debt management
Not all debt is bad. We often recommend more of the right kind. But the wrong debt can blow up a plan. We assess mortgages, refi opportunities, SBLOCs, and box option loans.
Retirement account basics