Tax-Aware Investing

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Evaluate which investments may be better suited to taxable, tax-deferred, or tax-free accounts. 

Consider realized gains, available losses, holding periods, cash needs, and portfolio objectives before selling. 

Identify appropriate loss-harvesting opportunities while considering portfolio exposure and applicable transaction restrictions. 

Coordinate distributions among taxable accounts, retirement accounts, and Roth accounts. 

Planning designed for entrepreneurs, executives, professionals, and families with increasingly complex financial lives.  Evaluate potential conversions as part of a multiyear retirement and tax strategy. 

 Consider appreciated securities, qualified charitable distributions, donor-advised funds, and other methods where appropriate. 

Coordinate vesting, exercises, stock sales, diversification, and anticipated tax payments. 

Consider liquidity, investment of sale proceeds, capital gains, charitable goals, and post-sale income needs.