Investment planning is the process of matching your financial goals and objectives with your financial resources. Investment planning is a core component of financial planning. It is impossible to have one without the other.

Investment planning is a process that begins when you are clear on your financial goals and objectives. Our Financial Planning process is designed to help you get clear on how to match your financial resources to your financial objectives.

The Impact of Taxes in Investment Decisions

Minimizing taxes, or avoiding them altogether, plays an important role in many investment decisions. Whether looking at this year’s tax burden or thinking far ahead into the future, tax planning is a component of determining an investment mix. While tax avoidance should not drive all of your investment decisions, you need to consider tax consequences.

Tax Efficient Investments

Some taxable investments are more tax-friendly than others are. In the mutual fund world, index funds and funds with low turnover rates are seen as being comparably tax-friendly since they don’t generate a lot of capital gains. Most other mutual funds frequently buy and sell stocks, and their investors may have an unpleasant surprise at tax time when they learn that they owe capital gains taxes on the fund’s activity. Exchange-traded funds, or ETFs, are also tax-efficient, since they generally avoid a lot of trades that trigger capital gains