Tax Efficient Investment Advisor in Portland, Oregon
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.
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.
Why People Hire Us
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.
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.
- 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.
Key Principles of Tax-Efficient Investing Techniques
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.
- 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.
Frequently Asked Questions
Why Is Tax-Efficient Investing Important?
What is the Most Tax-Efficient Investment?
How Can I Reduce My Taxable Income with Investments?
The general objective is to help clients during every step of growth, structuring, merging, acquisitions, and managing state, local, and federal taxation exposure.