Tax-Aware Investing & Tax Coordination
Consider the taxes.
Keep the larger goal in view.
Taxes can affect an investment decision, a withdrawal, or the timing of a conversion. We consider those effects alongside your objectives and your CPA’s advice.
Schedule a Clarity Review
Within your investment plan
Several decisions can work together.
Gain & loss management
Evaluate gains and potential tax-loss harvesting in the context of your holdings, tax circumstances, and investment objectives.
Asset location
Consider which account types hold different investments, alongside liquidity, costs, and your overall allocation.
Coordinated withdrawals
Look at the interaction of taxable, tax-deferred, and Roth accounts when planning how to meet spending needs.
Roth conversion analysis
Compare conversion timing and amounts with the current tax cost and the potential role of Roth assets in your plan.
Two professional roles
Investment planning and tax advice belong in the same conversation.
We may work with your CPA.
UAA provides tax-aware investment and financial planning. Your CPA provides professional tax advice, tax planning, and return preparation. We coordinate relevant information with appropriate authorization.
Clients pay the CPA directly for the CPA’s work. UAA receives no referral compensation from these CPA arrangements. You may work with your own tax professional.
Keep perspective
A tax benefit alone does not make an investment appropriate.
Investment risk, access to cash, transaction costs, and your longer-term goals still matter. Strategies depend on your circumstances and applicable rules; they do not guarantee tax savings or investment results.
Consider Roth conversion planningFurther reading
Put the decisions in context.
Start with a conversation