Keep more of what you've earned
Tax planning strategies that align with your life goals
Tax planning is more than just numbers—it’s about your goals and future. What you invest in and where you invest can affect taxes today, how efficiently your money grows, and what you owe when you start taking withdrawals in the future. That’s why tax planning is a key part of your overall financial strategy.
Five tax strategies
Top five income tax planning strategies
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Lower your taxable income
Keep more money by using tax deductions and credits, and by maximizing retirement account contributions.
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Use strategic asset location
Optimize after-tax returns and balance growth and tax efficiency by investing in accounts based on their tax treatment.
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Manage investment income wisely
Choose investments that tax dividends and interest income favorably and use tax-loss harvesting to offset gains.
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Plan for retirement tax efficiency
Plan for tax-efficient retirement plan withdrawals and consider converting traditional retirement accounts to Roth IRAs.
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Stay on top of tax laws
Meet with your tax advisor to tailor strategies to your specific financial situation and stay current on tax regulations.
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FAQs
Explore deductions, credits and retirement account contributions to minimize your tax burden.
Asset location is about placing investments in accounts based on tax treatment, to optimize your overall tax situation.
Use strategies like tax-loss harvesting, optimizing dividends and managing capital gains.
Plan retirement withdrawals and account distributions to reduce future tax liabilities and convert traditional retirement assets to a Roth IRA.
No, different types of investment income are taxed differently. Interest income and short-term capital gains are typically taxed at higher, ordinary income tax rates, while qualified dividends and long-term capital gains generally benefit from lower tax rates.
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