Funding Hierarchy
The most powerful tax tool is choosing where to save money before choosing how to invest it.
Employer Match (401k/403b)
Guaranteed 100% return
HSA (Health Savings Account)
Triple tax-advantaged
Roth IRA / Backdoor Roth
Tax-free growth & withdrawal
Max out 401(k)
Pre-tax income reduction
Taxable Brokerage
Flexible, capital gains rates
Need a tailored strategy?
A specialized advisor coordinates your investments, business income, and estate to minimize your lifetime tax burden.
Roth Conversions
Moving money from a pre-tax IRA to a Roth IRA. You pay tax now, but it grows and withdraws tax-free forever.
Execute When:
Tax-Loss Harvesting
Selling investments at a loss to offset capital gains or up to $3,000 of ordinary income, while reinvesting in similar assets.
Danger: Wash Sale Rule
You cannot claim the loss if you buy a "substantially identical" security within 30 days. Fiduciary advisors handle these trades to ensure legal compliance.