Advisor Flipbooks

Y O U R T R U S T E D P A R T N E R PAGE 6 P L A N Working closely with your advisor to understand your tax impacts, formulate a budget, and help manage to your goals and preferences. I M P L E M E N T Asset location - strategically placing securities in qualified or non-qualified accounts to help create efficiency and maximize returns. M A N A G E Managing to your tax preferences using a variety of tactics to help optimize your after-tax returns while working within your tax budget. Seeking to enhance returns with active tax management Our approach uses a combination of methods – tax loss harvesting, asset location, strategic implementation, tax budgeting – to adjust to your needs. 1 "An Empirical Evaluation of Tax-Loss-Harvesting Alpha", Financial Analysts Journal (30 Jun 2020). Actual results may vary. Past performance is no guarantee of future performance. 1–1.1 % Industry analysis estimated before transaction cost tax alpha on an annual basis over sample period 1 Tax-saving & tax-deferring strategies can improve your after-tax total returns over time We take managing risk more personally Level I S T R A T E G I C A S S E T A L L O C A T I O N We work with your advisor to custom- build a portfolio for your investment goals using the appropriate asset allocation, seeking an efficient risk return trade-off. Level II D Y N A M I C A S S E T A L L O C A T I O N Research drives strategic and tactical investment decisions. Our research team proactively monitors changing risk factors over time, including risks associated with individual sectors or securities. Level III P E R S O N A L I Z E D D O W N S I D E R I S K M A N A G E M E N T For certain clients, managing volatility is especially important. Our proprietary process allows us to set thresholds within qualifying portfolios that trigger customized actions that seek to help mitigate losses during especially non-normal market periods.

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