1. Should you contribute to a Traditional or Roth IRA?
  2. Are your investments located in the most tax-efficient account?
  3. Does tax-loss harvesting make sense for you?

Advice may include ways to minimize current and future income taxes as a part of the client’s overall financial picture. A recommendation may be offered as to which type of account(s) or specific investments should be owned based in part on their “tax efficiency,” with consideration that there is the possibility of future changes to federal, state or local tax laws and rates that may impact each client’s situation. We may refer you an accountant or tax specialist in order to get a second professional opinion.