Investment Planning

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Are you paying more than you should?

Smart tax strategies can have a significant impact on your investment portfolio in several ways:

  1. Increased Discretionary Income:
    • By employing tax-efficient strategies, you can potentially reduce the amount of taxes you owe, leaving you with more discretionary income. This extra money can be reinvested, helping your portfolio grow over time.
  2. Tax-Efficient Investing:
    • Choosing tax-efficient investment vehicles and strategies can minimize the tax impact on your portfolio. This includes considering tax-efficient funds, tax-managed funds, or investments with favorable capital gains treatment.
  3. Tax Diversification:
    • Diversifying your investments not only across asset classes but also across tax treatments can be beneficial. This involves holding a mix of taxable, tax-deferred, and tax-free investments to provide flexibility in managing your tax liability.
  4. Capital Gains and Losses Management:
    • Timing the realization of capital gains and losses can be a powerful strategy. Selling investments at strategic times to offset gains with losses may help minimize your overall tax burden.
  5. Tax-Advantaged Accounts:
    • Utilizing tax-advantaged accounts, such as IRAs or 401(k)s, can provide immediate tax benefits or tax-deferred growth. Contributions to these accounts may be tax-deductible, and capital gains within the accounts are typically not taxed until withdrawal.
  6. Harvesting Tax Losses:
    • Tax-loss harvesting involves selling investments that have declined in value to offset gains and potentially reduce taxable income. This strategy can be used to minimize capital gains taxes.
  7. Estate Planning:
    • Smart tax planning can extend to estate planning, helping to minimize estate taxes and ensure a smoother transfer of wealth to heirs.
  8. Understanding Tax Code Changes:
    • Staying informed about changes in tax laws and adjusting your investment strategy accordingly is crucial. Legislative changes can impact the tax implications of various investments and strategies.

By integrating these smart tax strategies into your overall investment approach, you can potentially enhance your after-tax returns and preserve more of your investment gains over the long term. It’s essential to work with financial professionals who can tailor these strategies to your specific financial situation and goals.

Tax services are not offered by Lion Street Financial, LLC., or Lion Street Advisors, LLC. Diversification does not guarantee a profit or protect against a loss.

Developing an Investment Portfolio

Choosing investments that align with individual financial goals is a challenging task, requiring a blend of instinct and common sense. There are five fundamental asset categories—Liquid Assets, Fixed Income, Equities, Real Estate, and Precious Metals. The allocation to each category depends on the existing portfolio balance and the individual’s circumstances.

Assets are held for personal use or income production, and key characteristics such as taxability, risk, growth protection, yield, and liquidity should be considered. A balanced portfolio involves spreading capital across various investments to mitigate overall risk. Decisions on asset holding, like individual stocks or mutual funds, depend on the desired level of control.

Retirement assets should be integrated into the overall portfolio design. Some assets, like real estate limited partnerships, may be better suited for retirement accounts due to their long-term nature. Investing inherently involves risk, and no strategy guarantees profit or protects against loss. Bonds, for instance, carry risks such as call, credit, liquidity, interest rate, and market risks.

Tax services are not offered by Lion Street Financial, LLC., or Lion Street Advisors, LLC.

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