Smart Planning. For Life.

It's not what your investments earn, but what they earn after taxes that counts.

After factoring in federal income and capital gains taxes, the alternative minimum tax, and any applicable state and local taxes, your investments' returns in any given year may be reduced by 40% or more.

LodeStar utilizes advanced tax management techniques in the investment process for all taxable accounts, including but not limited to:

  • Tax-Aware Trading
  • Location Optimization
  • Tax-Loss Harvesting & Gain Loss Offset
  • Tax-Lot Accounting
  • Managing the Holding Period
  • Deferring Realization of Gains
  • Transitioning of Low Cost Basis Stock
  • Avoiding the Wash-Sale Rule

What Is Your Taxficient Score®? 

The Taxficient Score is like a credit score, but instead of measuring credit-worthiness, it assesses the tax efficiency of your investment accounts.

On a scale of 0-100, the higher the score, the better-positioned you are to minimize taxes, make and keep more money and achieve your retirement goals. Once we identify your Taxficient Score, we can improve your score and investment outcomes.

Make More. Keep More.

Research shows that effective tax management can make a significant difference in your long-term wealth. Intelligent asset management and distribution methodologies can increase income in retirement by up to 33% and the remaining assets to pass on as a bequest by up to 45%.1

Every client wants to get the most out of their investments. They want the highest possible returns with the least amount of risk. Most investors own multiple accounts and products, purchased at different times, for different reasons, with little consideration of how those accounts may work together. The fact that a part of an investment's growth is given up in taxes is often seen as unavoidable. However, there is a way to reduce the taxes paid on investments, capture more of the investment returns and without changing the investment themselves. Optimizing a portfolio's asset location provides exactly that.

You've worked hard for your money. Let us show you how to keep more of it. 


1 “Improving After-Tax Returns, Retirement Income, and Bequests Through Tax-Smart Household Management,” LifeYield and EY, October 2010.


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