Thoughtful Tax Strategies For Your Long Term Goals,
Thoughtful tax strategies can enhance your financial plan by improving cash flow, reducing tax drag, and increasing flexibility over time. At Premier Investments & Wealth Management, we help you evaluate planning opportunities through a tax-aware lens year after year.
Taxes touch nearly every aspect of your financial life, from income and investments to retirement withdrawals and legacy planning. While tax laws may change over time, the value of incorporating tax-aware decisions into your overall strategy remains constant.
We work with clients to identify opportunities to manage their tax exposure over time, not just in the current year, but throughout key life stages. Our approach focuses on coordination, timing, and strategy, not on product-based strategies or one-time tactics.
Where Tax Strategy
Meets Planning
Retirement Contributions and Distributions:
We help you evaluate whether traditional or Roth contributions may be more appropriate based on your current and projected tax brackets. In retirement, we review withdrawal strategies that may help you manage taxable income and support long-term goals.
Investment Planning:
Asset location, placing investments in taxable, tax-deferred, or tax-free accounts, can affect how much of your returns you keep over time. We also monitor for opportunities related to capital gains, loss harvesting, and rebalancing.
Income and Cash Flow Planning
We help you consider how different income sources, such as wages, dividends, Social Security, or portfolio withdrawals, interact from a tax standpoint, and how they may affect Medicare premiums or other income thresholds.
Estate and Gifting Strategies
When appropriate, we coordinate with estate attorneys and CPAs to evaluate strategies that may involve lifetime gifting, charitable contributions, or passing assets to the next generation in a tax-aware manner.
