We believe what you earn on your investments is very important, but what you keep after taxes is even more critical. With a skilled financial advisor by your side, we can help you manage the tax side of investing with confidence, maximizing your returns and minimizing your tax burden.

At Steward Advisors we can help you navigate tax intricacies using tax-advantaged accounts in conjunction with your other accounts to maximize your returns. Here's how:   

  • Understanding Your Unique Needs: We’ll assess your income, goals, and risk tolerance, pinpointing which tax-advantaged accounts (traditional IRAs, Roth IRAs, 401(k)s, Health Savings Accounts, 529s) best suit your needs.
  • Tax Advantaged Investing: We perform ongoing tax loss harvesting, asset location and tax-free investment (muni’s), and optimize timing of distributions to take advantage of varying tax rates over time.
  • Unveiling Hidden Traps: We’ll explain the contribution limits, tax implications, and withdrawal rules specific to each account, ensuring you avoid costly penalties and maximize your benefits.
  • Charitable Giving: We’ll discuss tax advantaged charitable giving strategies
  • Tax Return Review: We review and analyze tax returns to integrate overall tax planning with investment planning.

We’ll make sure each asset you buy ends up in the optimal account. When you have a mix of tax-advantaged and taxable accounts in your portfolio, you can locate investments in specific accounts that can optimize results. This can make a big difference in the amount of money you keep after taxes, and in your flexibility to meet your investment goals.

  • We’ll monitor your investments and work with you to adjust your portfolio as needed, ensuring all your accounts remain on track despite market fluctuations, and that your tax-advantaged accounts continue to work to maximum advantage.
     
  • We’ll keep you informed about new tax strategies or changes to existing tax law so you can capitalize on emerging opportunities. And we’ll work hand in hand with your CPA or other tax advisor so that we’re all working toward the same goals.
     
  • Our team will review your progress regularly and adapt your strategy as your goals and circumstances evolve, ensuring your tax-advantaged accounts continue to contribute to your long-term financial success.