Tax Efficient Investing

Location Optimization
The after-tax return of your portfolio can be increased with proper location optimization. This is the strategic positioning of investments in the three account types: taxable, tax-deferred, and tax-free. For example, after-tax returns can be increased by holding income generating investments such as bonds in an IRA and holding appreciating assets such as small cap stocks in a taxable account.
Tax-Loss Harvesting
Capital losses are good forever until you use them. They offset investment gains to lower, and sometimes eliminate, capital gains tax. We take advantage of market swings to lock in losses while keeping your money 100% invested.
Capital Gain Minimization

We sell high cost lots in order to limit the amount of capital gains you incur.

Capital Gain Distribution Avoidance

This may sound counter-intuitive, but you want to avoid capital gains distributions from mutual funds. The share price goes down by the same amount that gets distributed. So all you are getting is a taxable capital gain. This can be avoided if you move to a similar mutual fund without a capital gain distribution.

Tax Related Articles:

Are Your Investments Optimized For Capital Gains Tax?
Are Your Investments Optimized For Capital Gains Tax?

Investing in diversified assets is one of the most feasible options you have to improve your financial health and build wealth. As far as investment assets are concerned, you can allocate capital to a variety of assets, such as stocks, bonds, index funds, and more....

Does Your Wealth Management Firm Optimize For Taxes?
Does Your Wealth Management Firm Optimize For Taxes?

A wealth management firm generally works with high-net-worth individuals, providing them with tailored investment advice to generate more profits. In addition, these firms also typically help clients manage their assets and provide a variety of other services that...

Year-End Tax Planning: Roth Conversions
Year-End Tax Planning: Roth Conversions

As we head full speed into the end of the year, there’s a lot to think about. Between visits with family and friends, holiday shopping, and celebrations, it can be hard to make time for anything else. There is, however, one important year-end process we highly...

Year-End Planning: Financial Organizing
Year-End Planning: Financial Organizing

Here at Rowling & Associates, we talk a lot about the importance of year-end planning for taxes. Evaluating your tax situation prior to the end of the year for any tax-smart moves you can make goes a long way in reducing your future tax liability. Year-end...

Year-End Tax Planning: Tax Benefits for Donor Advised Funds
Year-End Tax Planning: Tax Benefits for Donor Advised Funds

If you enjoy donating to charities that you support while also receiving tax benefits, a Donor Advised Fund may be a great option for you! In this post, we will explain what exactly a Donor Advised Fund is, and some of the tax benefits for Donor Advised Funds. What Is...

Are Taxes Dragging your Portfolio Down?

Contact us to discuss how our team of CFP® and CPA experts can help your portfolio’s growth with tax-efficient investing.


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