We only invest in exchange traded funds (ETFs), which are generally more tax‑efficient compared to mutual funds. Investing with ETFs can provide an estimated 0.7% in tax savings per year versus holding similar investment strategies in mutual funds.
We build separate portfolios based on the tax status of each of your accounts. We’ll purchase municipal bonds in your non-IRA accounts, where you will be exempt from most taxes. We’ll put core bonds in your IRA accounts, where they can grow tax‑free.
We use every cash flow and dividend to rebalance your portfolio, which reduces the need to sell shares to rebalance. This can lower your capital gains tax over time, and maintains the risk and return of your portfolio without you lifting a finger. Plus, our sophisticated infrastructure will never cause short-term capital gains.
We use every cash flow and dividend to rebalance your portfolio, which reduces the need to sell shares. This can lower your capital gains tax over time, and maintains the risk and return of your portfolio.
Key aspects of our strategy
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