Tax Efficient Investment Advisor in Portland, Oregon

Maximizing your wealth while minimizing taxes is doable – with the right approach.

Interactive Wealth Advisors gives you access to personalized, tax-efficient investment strategies that are aligned with your goals and risk tolerance so that you can do more with your investment gains.
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What is Tax Efficient Investing?

Taxes take the biggest bite out of any return on investment. This is why it is important everyone explores options for investing tax-efficiently. But what does this mean exactly?

Tax-efficient investing is basically a system of investing to improve your after tax return. There are different ways to do this, including contributing to tax-advantaged investments like 401(k)s and IRAs, using tax-loss harvesting techniques, and putting money in specific types of securities and accounts that offer tax exemption, credits or deductions.

tax-friendly investments

Why People Hire Us

Retirement Planning
Our well-designed process and experience will leave nothing to chance when it comes to your successful retirement.
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Investment management
Once we’ve helped you define your goals and objectives, our investment management will be the engine that drives your plan.
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Transition planning
Whether you receive large windfall or an uninvited misfortune, we’ll help you make smart decisions and minimize the financial stress.
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Business Owner Planning
With Interactive Wealth Advisors’ help, you can simplify the process by integrating your business and personal planning — in an attempt to find synergies that may help to provide tax and retirement planning opportunities.
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Tax Planning
With Interactive Wealth Advisors’ help, you can simplify the process by integrating your business and personal planning— in an attempt to find synergies that may help to provide tax and retirement planning opportunities.
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Estate Planning
At Interactive Wealth Advisors, our estate planning services are designed to help you protect your family and assets while making sure they are used in the way you want. Whether it is creating a simple will or advanced trust, we can develop a custom estate planning solution that fits your needs and goals.
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IRA planning
Interactive Wealth Advisors is a fee-only financial planner in Portland, and our IRA retirement planning service will help you navigate the financial challenges of today’s dynamic retirement planning process.
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Social Security Planning
Social Security is a crucial part of preparing for retirement. Created in 1935, the Social Security Administration (SSA) was designed to help protect people from becoming destitute if they become disabled or too old to work. It provides benefits to retirees, disabled workers, widows, widowers, and their families.
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Asset Protection Planning
It has taken blood, sweat, and extreme work ethic to build your business or brand and accumulate wealth. Now that you are a high net-worth individual, it’s vital that you take deliberate steps to preserve this wealth. This is where asset protection planning comes in.
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Holistic financial planning
When it comes to preparing for the future, you want a team that understands your goals, dreams, and finances. That’s why we offer holistic financial planning and sudden wealth counseling services that are specifically designed to help you make the most of your money.
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Investment management for trusts
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IPO & Pre-IPO Tax and Financial Planning
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Stock option planning
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Wealth management
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Restricted Stock Units Planning Advisor
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Liquidity Event Planning
Liquidity risk management assessment and planning in Portland, OR, and surrounding areas. Our personalized advice on liquidity event planning will help you attract better return opportunities. Book a call with our advisors today!
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Financial Windfall Planning
Expected or not, windfalls are a dream come true. While you may be tempted to purchase or experience life’s luxuries, taking a step back and rethinking how to manage the money is crucial. In this case, hiring a windfall financial planner would be the first step to safeguarding your financial future.
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Business Transition Advisor
Planning on selling your business? At Interactive Wealth Advisors, we help you build a tax-efficient exit strategy. Our company provides expert advice to help you prepare to sell your business. Book a call with our advisors today!
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Multi-generational planning
Fee-based multi-generational wealth and financial planning in Oregon. Our personalized advice on strategic planning for the family business will help you attract better return opportunities. Book a call with our advisors today!
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Legacy planning
Fee-only legacy planning services in Oregon. We specialize in legacy financial services, legacy estate planning, family legacy planning, retirement planning, and more. Book a call with our advisors today!
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Tactical Investment Management
Fee-only Tactical Investment Management advisor and consultant in Oregon. We specialize in fiduciary investments, retirement planning, asset protection planning, tax planning, and more. Book a call with our advisors today!
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Fee-based investing
Fee-based investment advisor in Oregon. Our personalized advice on investment management will help you attract better return opportunities. Book a call with our advisors today!
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Charitable planning
Charitable giving financial planning in Oregon. We are charitable planning advisors specialized in supporting high-income earners, business owners, retirees, healthcare professionals, and IT professionals. Book a call with our advisors today!
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Tax Reduction Strategies
Tax savings strategies for retirees, business owners, and high-income earners in Oregon. We are tax advisors specialized in supporting high-income earners, business owners, retirees, and IT professionals. Book a call with our advisors today!
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Compound Interest Calculator

Utilize our compound interest calculator on our Tax-efficient investing page to visualize the power of compounded growth. For a tailored strategy and to ensure you’re maximizing your returns, consult our seasoned tax planners and wealth advisors. Let’s optimize your investments together.

How Can IWA Help?

With taxes on the rise, you need tax planning that maximizes your return on assets. Our expertise in tax-efficient investing comes in handy here. As a fee-only financial and tax advisor in Portland, Interactive Wealth Advisors can make your portfolio, real estate, and business more tax-efficient and help you retain more wealth.

Some of the benefits our clients enjoy include.

  • Access to carefully curated investment strategies for high-net-worth investors
  • A personalized strategy to maximize tax efficiency across your entire portfolio of real estate, business, and investments
  • A dedicated team of tax experts with years of industry experience.

Our services also include

  • How to decrease Depreciation Recapture Tax Strategies
  • Shifting Business Net Income to your Balance Sheet as an Expense
  • 1031 Exchange and OZ Planning for your real estate
  • Portfolio Tax Loss Harvesting
  • Using Trusts to create Tax-free portfolios
  • Tax diversification, and lots more.

No matter what your goals are, we can help you get started with tax-saving investments.


Who Is It For?

At Interactive Wealth Advisors, our services are beneficial for a wide range of individuals, including

  • High-income earners: These high-income, high-tax bracket individuals can leverage our investing for high earners strategies to boost their portfolios while at the same time enjoying a lower tax burden.
  • Investors with large portfolios: High net-worth investors lose more in terms of payments but our tax-managed investing program can help them save a significant amount of their ROI.
  • Retirees: People planning to retire with large IRA balances can leverage our advice to boost their wealth so that they can minimize their tax burden from the excessive RMDs in retirement.
  • Business owners: Our corporate investment strategy can help business owners identify tax-friendly investments, credits and deductions so that they can use surplus business cash in an efficient manner.
tax efficient mutual fund investing

Why Choose Us as Your Tax and Investment Advisor?

You may be wondering why you should choose us as your tax consultant and advisor. After all, there are many financial advisors in Portland competing for your business. Some of the characteristics that set us apart in the area are.

  • A simplified approach

At IWA, we believe that wealth management should be simple and straightforward, so we don’t overwhelm our clients with technicalities on the tax code or investment strategies. Instead, we focus on helping them achieve the thing that matters to them – legally paying less –  whether they are newbies or seasoned investors.

  • Excellent customer service

As a company, we strive to provide not only value-based advice to our clients but also a smooth and satisfying experience.

tax efficient investing in retirement
  • Custom-tailored advice

No two clients are alike. Everyone has a different tax problem, risk tolerance and a distinct set of financial goals. That is why here at IWA, we make sure to develop custom-made strategies for every client, based on individual preferences and circumstances.

  • Committed to your success

As a fee-only financial advisor in Portland, we do not collect commissions from any company and so are not constrained by 3rd-party loyalties. We are simply committed to helping our clients achieve success.

  • Wide range of expertise

We pride ourselves on our wide expertise spanning estate planning, real estate, and asset protection, to financial retirement planning. Whatever your needs are, there is someone on hand to help with the complexities of your case.

Our tax services can get you started on the right path. Give us a call today.

tax advantaged investments

Key Principles of Tax-Efficient Investing Techniques

1. Choose the right deduction
There are two main types of deduction – standard vs itemized. Choosing the one that provides the most benefit will help reduce your payments and lower your liability.
2. Leverage tax credits
Tax credits are government-backed assistance that lowers your liability dollar for dollar. They are more valuable than deductions so be sure to leverage them. The standard deduction decreases your income by $12,600 if you are married and filing jointly. Other different deduction amounts depend on the filing status.
3. Keep all your paperwork
Keeping your paperwork in order will help ensure that you are getting the most out of your tax benefits. This includes receipts and documentation that will help support your deductions or credits. You should also keep copies of your filed returns – at least for the past three years. However, you must keep good records and stay within the deduction rules.
4. Work with a professional
Finally, and the most important principle of them all, working with an expert. An investment management financial advisor can help you navigate complex tax rules, design tax efficient solutions, and make informed decisions. So, if you have a mortgage, your estate planning advisor can identify your tax-deductible interest and reduce your income.

5 Tax-Efficient Investing Strategies For Tax-Aware Investors

Ready to get started with wealth and tax management? Here are some strategies that can help.

  • Contribute to tax-efficient accounts

Making contributions to accounts like Roth IRAs, tax-free municipal bonds is one of the best strategies to lower your burden long-term. If you’re an accredited investor, you may want to consider using various types of grantor trusts to reduce your taxes each year.

  • Diversify your account types

Splitting your assets into three tax buckets (taxable, tax-free and tax-deferred) can help you control how much you pay the government every year. For example, you can buy a mutual fund that pays tax-efficient qualified dividends, another that distributes tax-free interest and a third that buys high growth stocks inside your Roth 401k or IRA. The possibilities are almost endless and can be applied to your real estate holdings and business as well.

tax efficient equity investing
  • Engage in tax-loss harvesting

If you have assets that are losing money, you can use tax-loss harvesting to offset some or all of your gains now and in the future. This involves selling your losing assets and using the losses to offset gains from other portfolios. You can then plow back the money you’ve saved into other portfolios. Personal indexing is another more sophisticated way to use tax-loss harvesting to generate five to 15 percent losses annually, while still generating a positive return of an index fund.

  • Max out contributions to your retirement account

If you have a 401(k), maxing it out – contributing up to $22,500 per year will help reduce your current liability and also allows your portfolio to grow tax-deferred over time. If you own a business, hiring your spouse and then having then contribute 100% of their wages to their 401k can double your annual savings while reducing your business expenses.

  • Take Advantage of Capital Gain Bracket Stuffing

For example, if you retire before 60 and are living off your investment portfolio you have the ability to get a zero percent federal capital gain on the first $115,000 of your AGI for married filing jointly. You can also use this strategy to reset some of your low cost basis stock that you may want to sell in future years that you are planning on selling.

Not sure how to implement these strategies? Work with an IWA financial planner to get the best results.

tax efficient solutions

Frequently Asked Questions

Why Is Tax-Efficient Investing Important?

Tax-efficient investing is important as it reduces the amount of capital gains tax you pay now or in the future. This allows more of your money to compound over time, and grow.

What is the Most Tax-Efficient Investment?

When it comes to investing, there are no hard and fast rules. However, IRAs, Roth IRAs, and employer-backed programs are generally good plans. Municipal bonds that are tax-exempt also make for tax-efficient equity investing. More complex investors may want to consider 1031 exchanges, personal indexing or grantor trusts.

How Can I Reduce My Taxable Income with Investments?

Employer-sponsored, IRA, and HSA are great ways to compound and grow your money over time while paying less to the government. Tax credits from your local or state government to invest in solar power, education or conservation are hidden opportunities you should also consider.

The general objective is to help clients during every step of growth, structuring, merging, acquisitions, and managing state, local, and federal taxation exposure.
Interactive Wealth Advisors is a Registered Investment Advisory firm in the State of Oregon and Washington. The Adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.
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