Tax Optimization


As financial advisors, we understand the importance of minimizing lifetime tax bills and maximizing tax-free and tax-advantaged income during retirement. That’s why we offer a range of tax optimization strategies to clients, including:

  • Strategic withdrawals from different accounts: Careful planning can help to minimize taxes paid in retirement.
  • Taxed managed investments: This strategy for non-retirement accounts reduces your long- and short-term capital gains exposure while performing similarly to its benchmark.
  • Tax-loss harvesting: This involves selling investments at a loss to offset capital gains and reduce the overall tax burden.
  • Conversion of a traditional IRA to a Roth IRA: This can be a good strategy for those who expect to be in a higher tax bracket during retirement.
  • Charitable donations: Donating to charitable organizations can help to reduce taxes and provide other benefits.
  • Maximization of tax credits and deductions: There are many credits and deductions available to those in retirement, and maximizing these can help to reduce the overall tax burden.
We are here to help clients navigate the complex landscape of tax optimization and develop a strategy that works for them. Working closely with you to assess your options and determine the most appropriate course of action will help keep your taxes low and maximize your retirement income.

Jeff Geraci

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