Tax Efficient Investing
Invest with Tax Impact in Mind
Taxes can have a significant impact on your investment returns. We'll help you explore strategies designed to support your goals while keeping tax efficiency in mind.
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Our Approach
- Review your current investment accounts
- Identify opportunities to improve tax efficiency
- Evaluate account types and asset placement strategies
- Consider the timing of withdrawals and distributions
- Align your investment strategy with your overall financial plan
Frequently Asked Questions
What is tax-efficient investing?
Tax-efficient investing is an investment approach that considers the tax consequences of investment decisions. The goal is to help maximize after-tax returns while remaining aligned with your financial objectives.
Does tax-efficient investing reduce my taxes?
Tax-efficient strategies may help reduce unnecessary tax exposure, but they do not eliminate taxes. Results vary based on your personal situation, investment choices, and tax circumstances.
What types of accounts offer tax advantages?
Common examples include 401(k) plans, Traditional IRAs, Roth IRAs, Health Savings Accounts (HSAs), and certain education savings accounts. Each account has its own tax rules and considerations.
Why does asset location matter?
Different investments may be taxed differently. Placing certain assets in taxable versus tax-advantaged accounts may help improve overall tax efficiency.
Is tax-efficient investing only for high-net-worth investors?
No. Investors at many income and asset levels can benefit from understanding how taxes affect their investment and retirement planning decisions.
Can tax-efficient investing be part of my retirement strategy?
Yes. Tax considerations often play an important role in retirement planning, particularly when managing distributions from different account types during retirement.
Start the Conversation
A tax-efficient investment strategy can help support your financial goals while keeping the impact of taxes in mind.
A conversation today can help you better understand your retirement account choices and determine the option that aligns with your long-term goals.
*Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Consumers Credit Union and Consumers Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Consumers Investment Services, and may also be employees of Consumers Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Consumers Credit Union or Consumers Investment Services. Securities and insurance offered through LPL or its affiliates are:
Consumers Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services.
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