Beyond the 4% Rule: Strategic Retirement Planning for High-Net-Worth Families
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Keep More of
What You Earn
We don’t treat taxes as a once-a-year event.
Tax strategy is integrated into your portfolio everyday.
Tax strategy is integrated into your portfolio everyday.
The Only Thing that Matters:
After Tax Returns
Two investors can earn the same pre-tax return and walk away with very different outcomes.
Most firms focus on performance before taxes. We focus on what you keep, not just what you earn. Our Dynamic Portfolio proactively optimizes your tax picture screening for losses to harvest daily, deferring gains, and applying asset location strategies to improve after-tax results across your accounts.
Most firms focus on performance before taxes. We focus on what you keep, not just what you earn. Our Dynamic Portfolio proactively optimizes your tax picture screening for losses to harvest daily, deferring gains, and applying asset location strategies to improve after-tax results across your accounts.
higher after-tax performance
than comparable equity ETFs and mutual funds
We integrate tax strategy across your wealth plan. We continuously analyze your portfolio across hundreds of individual securities automatically harvesting losses, deferring gains, and making portfolio adjustments with precision. From portfolio construction to smart asset location, we design your moves with after-tax performance in mind.
See Investment Principles and Benefits of Tax-Loss Harvesting for more detail
12 Advanced Tax Strategies
Techniques used by wealthy families to offset, reduce, defer or, in some cases, even eliminate taxes on your investments
1
Direct Indexing
Modern innovation for personalization and tax savings versus an ETF, mutual fund or brokerage account
2
Tax-Loss Harvesting
Selling your loss positions creates tax deductions to offset, reduce or defer taxes on your investments
3
Tax Transitions
Strategically unwind concentrated or legacy positions over time to limit or eliminate capital gains
4
Tax Exempt Bonds
Treasury bonds are exempt from state and local taxes while municipal bonds can be exempt from all taxation
5
Retirement Accounts
Your 401k is free money, your traditional IRA is tax deductible, and your Roth IRA is tax-free forever
6
Asset Location
Put the right assets in the right accounts – stocks in taxable accounts and bonds in tax-advantaged accounts
7
Tax-Gain Harvesting
Transfer positions with unrealized capital gains and eliminate all taxes on those embedded gains
8
Family Gifting
Transfer appreciated securities to family members tax free to defer or eliminate tax on the capital gains
9
Charitable Giving
Donate appreciated securities to a Donor Advised Fund to eliminate capital gains taxes get a tax deduction
10
Estate Transfers
Pass appreciated securities to your heirs and eliminate capital gains tax forever with stepped-up basis
11
Education & Medical
Tax-efficient ways to fund your children’s education and pay for unforeseen medical expenses
12
Company Equity
Tax saving opportunities with stock options, RSUs, early exercise, and qualified small business stock
I Wrote the Book on Investment Taxes
“And I’d like you to have a complimentary copy. You’ll learn the tax strategies that can reduce or, in some cases, eliminate taxes on your investments.”
Bill Harris, Founder of Evergreen Wealth
Talk to a fiduciary advisor about
tax-smart investing.
Call +1 (888) 884-0557
Schedule An Appointment
A free financial consultation
Explore the Moves
Behind the Strategies
From loss harvesting to charitable giving, explore how advanced tax tactics work.
Tax Strategies Are Complicated.
Answers Shouldn’t Be.
How do you position portfolios for tax alpha?
We use a combination of advanced tax strategies, like daily tax-loss harvesting, smart asset location, gain deferral, and charitable giving, to help reduce tax drag and improve your overall after-tax return. These strategies are coordinated across your accounts and tailored to your portfolio, values, and individual tax profile.
What is tax-loss harvesting and how often is it done?
Tax-loss harvesting is a tax strategy used to help reduce the taxes you owe on investment gains. It involves selling investments that have declined in value to realize a loss, while offsetting potential gains from other investments that have been sold at a gain. At Evergreen Wealth, we look for harvesting opportunities daily as part of our daily optimization process, while considering IRS wash sale rules that may impact your transactions.
Will these strategies trigger the wash-sale rule?
No. Our tax optimization process is built to follow IRS wash-sale rule guidelines. When we harvest losses, we reinvest in substantially similar, but not identical, securities to help ensure the losses remain deductible while keeping your portfolio aligned with its target. This approach aligns with IRS compliance requirements.
Do you optimize asset location?
Yes. We use asset location strategies to place investments in the accounts where they are most tax-efficient. Income-generating assets typically go in IRAs, tax-advantaged growth fits in Roth accounts, and tax-efficient investments like municipal bonds may stay in taxable accounts. This approach is designed to help improve long-term tax efficiency and reduce your overall tax burden.
I live in a high-tax state. How can you help me?
Evergreen Wealth uses a wide range of tax strategies designed to help manage the impact of high state and federal taxes. That includes daily tax-loss harvesting, smart asset location, gain deferral, and other advanced techniques tailored to your financial picture. We work across accounts to help reduce tax drag, so more of your money stays invested and working toward your long-term goals.