Taxable accounts require additional planning and oversight. We can set up models and programs that are managed for After-Tax returns, so you can keep more of what is earned. The asset allocation mixes of tax managed strategies utilize asset classes that are more tax efficient such as municipal bonds, low dividend paying securities, other securities with anticipated low capital gains and or low taxable distributions. Additionally, we have programs and strategists which look for tax loss harvesting opportunities throughout the year not just at year end, along with reviewing positions and identifying any losses we can take while at the same time improving the characteristics of the portfolio itself. We customize each program based on ones situation and risk tolerance - see sample risk strategies below.