| Few investment gains are won without some level of risk. Finding a balance between the level of risk you are comfortable with and your investment goals is an important part of my approach to wealth management, as are tax-efficient strategies that can help you preserve more of what you earn. One way to strike the right balance between risk and return is to measure performance relative to your own needs and goals. As your financial requirements change over time, so may your investment decisions — and your appetite for risk. Some things to consider: -
Personal goals and timeframes: You may be willing to take on more risk if your goals have a longer time horizon. -
Income and asset base: Your view of risk may change as your income and asset base change. -
Portfolio diversification: As your wealth grows, spreading risk across several types of investments can help moderate the ups and downs in your portfolio's value. -
Asset allocation: With each market cycle, various asset classes perform differently. As your financial goals and risk tolerance change over time, fine-tuning your investment allocations may help mitigate risk. Tax-efficient investment strategies can play an important role in a well-thought-out wealth management plan for two good reasons: They have the potential to reduce your tax burden and they can increase your after-tax returns.
While I do not provide tax advice, I can help you manage the tax consequences of your financial decisions — on both the asset and liability sides of your balance sheet.1 I can also help you weigh the benefits of a range of tax-advantaged strategies, including: -
Funding tax-deferred accounts such as IRAs and 401(k) plans for retirement and Section 529 accounts for post-secondary school education. -
Investing in U.S. treasuries, government-sponsored entities, municipal bonds and state tax-exempt money funds. -
Purchasing shares in tax-efficient mutual funds. -
Setting up tax-efficient managed accounts (which offer the additional benefit of professional management). -
Allocating funds to tax-exempt fixed-income securities. -
Adopting tax-efficient borrowing strategies, such as interest-only mortgages.
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