Services & Fees

Tax Loss Harvesting: We strategically harvest losses in taxable accounts by selling investments trading below their cost basis to realize those losses. The realized losses can then be used to offset capital gains from other investments, helping to reduce overall tax liability. When applied selectively and in coordination with your broader investment strategy, this approach can improve after-tax returns while maintaining proper portfolio alignment.

Selling Appreciated Stock: We help clients thoughtfully reduce concentrated positions in highly appreciated stock while managing capital gains taxes. These strategies are often driven by timing, with sales strategically spread over multiple years to take advantage of lower tax brackets and favorable market conditions. Our approach is coordinated with each client’s broader financial and tax plan to improve diversification while minimizing tax impact.

Roth Conversions: We evaluate whether converting traditional IRA assets to a tax-free Roth IRA is appropriate for your situation. While a Roth conversion can offer meaningful long-term tax advantages, it is not suitable for every client. We conduct a comprehensive analysis of your tax bracket, time horizon, income needs, and overall financial strategy before making any recommendation.

Our advisory fees are based on assets under management and are billed monthly. Fees are deducted directly from client accounts held at their custodian.

We do not charge an investment advisory fee on client assets that are not actively managed.  For example, if a client holds a large position in a stock with a low-cost basis and intends to hold the stock for the long term, we exclude this stock from our investment advisory fee calculation and assessment.