- Family Offices
- Tax-Aware Investing
Tax-Aware Investing
Integrating investment management and tax strategy to help reduce the impact of taxes through thoughtful, coordinated portfolio design.
TAX-AWARE INVESTING
Integrating Tax Strategy into Every Investment Decision
Taxes can have a significantly negative effect on long-term wealth accumulation. Many investors overlook or don’t fully understand tax implications related to their portfolios and overall planning strategies. Yet, it’s not what you make but what you keep that matters most.
At True Wealth Design, taxes are an essential component of an integrated strategy to help make the most of what you have. Being essential, we have built highly experienced and gold-star credentialed in-house teams — Tax Advisory Team, Investment Advisory Team, and Wealth Advisory Team — to work in concert together to better serve clients. Lacking the level of coordination we can achieve with this structure, many strategies would not be possible or subpar at best. Having them in-house also provides a streamlined client service experience.
Through thoughtful design, tight collaboration, and ongoing oversight, we seek to avoid unnecessary tax costs and enhance the overall efficiency of each client’s investment strategy.
- Asset Location. Most advisors put a sole investment strategy in each account. While this is simpler to manage, it is also tax inefficient. True Wealth Design prefers to strategically position specific assets across taxable, tax-deferred, and tax-free accounts, seeking to improve overall after-tax returns. Tax-efficient assets in taxable accounts and tax-inefficient, lower growth assets in tax-deferred IRAs are examples of how deliberate asset placement can help clients better grow after-tax wealth and achieve their long-term goals.
- Tax-Loss Harvesting. Losses are part of investing, but they can also be used strategically to create tax assets to shield income from being taxed. Our team regularly monitors portfolios to identify opportunities for loss harvesting. Markets are volatile and daily monitoring is essential to more fully reap these tax benefits. This disciplined, ongoing approach helps reduce tax drag while keeping portfolios aligned with long-term investment objectives.
- Direct Indexing. We may implement direct indexing strategies to give clients greater control over holdings and increase loss harvesting opportunities. Clients may have environment or social preferences desired to be expressed in their investment strategy or simply prefer to purse greater tax benefits. By owning individual securities rather than a fund, portfolios can place restrictions on securities and utilize heightened volatility of individual securities to more regularly capture losses.
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TALS™: Tax Aware Long Short Strategy. TALS™ is True Wealth Design’s proprietary Tax-Aware, Long-Short Strategy Investing & Tax Strategy. The approach uses long and short positions within a disciplined framework to seek improved diversification and pre-tax returns while also creating potentially significant tax assets through tax-smart investment structures and trading execution. If you are a high-income, high-asset investor, TALS™ is changing the game for taxable investors.
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Integrated Planning Services for Every Life Stage
WHO WE SERVE SUBHEADER
Integrated Planning for Life
We deliver integrated financial planning services tailored to meet the unique needs of individuals and families at every stage of their financial journey. Whether you’re building and protecting wealth, preparing for or in retirement, or ensuring a smooth transition of assets to the next generation, our comprehensive approach covers all aspects of financial planning. True Wealth is committed to providing holistic guidance and developing customized solutions that align with your goals and values no matter where you are in life’s journey.
Planning
Your Life
Together
Planning Your Life Together
For couples planning to get married, we can help you align your financial goals and develop a comprehensive plan that addresses everything from budgeting for the wedding to saving for long-term goals like buying a home, starting a family, or planning for retirement.
Building and
Protecting
Wealth
Building and Protecting Wealth
We provide strategic guidance to maximize returns while mitigating risks. Through personalized asset allocation, regular portfolio rebalancing, and ongoing market analysis, we can align your portfolio with your financial goals and risk tolerance to help safeguard against market volatility and economic downturns.
Managing
Sudden
Wealth
Managing Sudden Wealth
For investors who suddenly come into significant wealth, we help ensure that wealth is preserved and strategically grown. Sudden wealth can quickly diminish due to taxes, market risks, or poor financial decisions. We provide tailored strategies to protect your newfound wealth and create a sustainable financial plan.
Navigating
Being Suddenly
Single
Navigating Being Suddenly Single
If you find yourself suddenly single, we can help you navigate this life change. This transition often requires reassessing financial goals and adjusting your risk tolerance. We provide guidance in restructuring your portfolio, optimizing income sources, and ensuring that investments align with your new financial reality.
Retiring
with
Confidence
Retiring with Confidence
Through careful planning, asset allocation, and ongoing portfolio management, we can help optimize income streams, manage risks, and preserve capital, allowing you to achieve your desired retirement lifestyle without the fear of outliving your savings. Strategic investment management can provide security and peace of mind in retirement.
Transferring
Generational
Wealth
Transferring Generational Wealth
By creating a strategic plan that includes tax-efficient investment strategies, estate planning, and philanthropic considerations, we help clients safeguard wealth across generations. This careful planning not only protects your financial legacy but also helps educate heirs about responsible wealth management, fostering long-term financial stability and security for future generations.
Planning Your Life Together
For couples planning to get married, we can help you align your financial goals and develop a comprehensive plan that addresses everything from budgeting for the wedding to saving for long-term goals like buying a home, starting a family, or planning for retirement.
Building and Protecting Wealth
We provide strategic guidance to maximize returns while mitigating risks. Through personalized asset allocation, regular portfolio rebalancing, and ongoing market analysis, we can align your portfolio with your financial goals and risk tolerance to help safeguard against market volatility and economic downturns.
Navigating Being Suddenly Single
If you find yourself suddenly single, we can help you navigate this life change. This transition often requires reassessing financial goals and adjusting your risk tolerance. We provide guidance in restructuring your portfolio, optimizing income sources, and ensuring that investments align with your new financial reality.
Managing Sudden Wealth
For investors who suddenly come into significant wealth, we help ensure that wealth is preserved and strategically grown. Sudden wealth can quickly diminish due to taxes, market risks, or poor financial decisions. We provide tailored strategies to protect your newfound wealth and create a sustainable financial plan.
Retiring with Confidence
Through careful planning, asset allocation, and ongoing portfolio management, we can help optimize income streams, manage risks, and preserve capital, allowing you to achieve your desired retirement lifestyle without the fear of outliving your savings. Strategic investment management can provide security and peace of mind in retirement.
Transferring Generational Wealth
By creating a strategic plan that includes tax-efficient investment strategies, estate planning, and philanthropic considerations, we help clients safeguard wealth across generations. This careful planning not only protects your financial legacy but also helps educate heirs about responsible wealth management, fostering long-term financial stability and security for future generations.
The Strategy Once Reserved for $30M+ Investors May Now Be Available to You
Discover how True Wealth Design’s TALSTM strategies are designed to pursue enhanced after-tax outcomes and potential six-figure savings for entrepreneurs, executives, and other high-income, high-asset investors.
OUR SERVICE MODELS
Services Focused on Your Needs
We deliver integrated financial planning services for individuals & families, building and protecting wealth, readying for and in retirement, or transitioning wealth to the next generation. We offer three levels of service to provide you with the level of service and expertise that best meets your needs. Regardless of which of our service models you select, you will have a dedicated team of professionals proactively working on your behalf.
True Wealth Private Client
Are you great at making money but tired of dealing with the complexities and lack of clarity around your finances? Have you already accumulated a respectable nest egg but are seeking a coordinated strategy to make the most of what you have? Our True Wealth Private Client service is built for clients with a minimum of $1,000,000 in investments or experiencing increased complexity in their financial lives. While we take a comprehensive planning approach for clients at this level, services focus on investments and tax planning.
- CFP®, CFA®, or CPA Professional
- Investment Management
- Financial Planning
- Risk Management
- Tax Planning & Prep
- Estate Planning
True Wealth Planning
Are you getting serious about retirement and wondering whether you’re on track? Need help figuring out how to take your pension or Social Security benefits or how to create income from your investment portfolio? Are you concerned about taking too much investment risk but also want to make sure your money lasts? True Wealth Planning is for those who are seeking help as they prepare for retirement or people who are in retirement and want to maintain their lifestyle. Financial planning for our True Wealth Planning clients focuses on cash flow, retirement planning, and investments.
- CFP®, CFA®, or CPA Professional
- Investment Management
- Financial Planning
- Risk Management
True Wealth Investing
Are you busy focusing on your career and family with little time to focus on your finances? Do you have competing objectives like paying debt, saving for retirement, or increasing your lifestyle? Are you feeling financially squeezed? We can help you simplify and prioritize your finances today while planning for an even brighter future. Our True Wealth Investing service is generally for younger individuals and families that are early to mid-career and are building wealth. Areas of focus are cash flow, debt management, risk management, and investments.
- CFP®, CFA®, or CPA Professional
- Investment Management
FINANCIAL INSIGHTS
Latest Financial Insight
We offer the latest financial insights on trends and strategies in financial planning, retirement planning, and tax and business services for small businesses. Whether you’re approaching retirement or looking to optimize your business finances, advice from our experienced professionals will help you navigate the complexities of today’s financial landscape. Stay informed, make smart decisions, and secure your financial future with our timely and insightful updates.
What Would Your Life Look Like if You Designed it Around True Wealth?
Get in touch
A Better Retirement is Almost Here
- info@truewealthdesign
- (123) 456-7890
