Tax Efficient Investing

///Tax Efficient Investing

Want to Minimize Capital Gains Taxes? Check Out Our Guide to Opportunity Zone Investments

By |2018-11-13T12:17:12+00:00November 13th, 2018|Research Insights, Guest Posts, Tax Efficient Investing|

If you have a large "low-basis stock problem," or an "embedded capital gain problem," the Opportunity Zone (OZ) program could possibly be the single largest tax break you’ll ever see. With the right investment, the [...]

Illustrating the Value of Retirement Accounts

By |2018-09-19T13:29:54+00:00September 19th, 2018|Research Insights, Guest Posts, Tax Efficient Investing|

What do most people consider to be the biggest benefit of retirement accounts? Many investors and advisors will say, "tax deferral." But a recent article (pdf version) I wrote highlighted that the real value of retirement [...]

Quantifying the Value of Retirement Accounts

By |2018-04-17T10:40:34+00:00April 19th, 2018|Guest Posts, Tactical Asset Allocation Research, Tax Efficient Investing|

Many people talk about the tax benefits of retirement accounts. However, few attempt to quantify and estimate the actual benefits. To make matters worse, when the topic is addressed, many of the discussions rely on [...]

The Tax Efficiency of Long-Short Strategies

By |2017-12-28T07:07:09+00:00December 28th, 2017|Research Insights, Larry Swedroe, Tax Efficient Investing|

Conventional wisdom can be defined as ideas that are so accepted that they go unquestioned. Unfortunately, conventional wisdom is often wrong. Two great examples are that millions of people once believed the conventional wisdom that [...]

ESOP Attorney — How to Hire One and Why It Matters

By |2017-12-12T20:39:19+00:00December 12th, 2017|1042 QRP Solutions, Tax Efficient Investing|

The sequential process by which ESOP advisory teams are assembled by business owners requires that they get it right–from the start. An ESOP attorney is the linchpin in that process. Here is what you need to know.

How To Sell A Business Tax Efficiently via Structured Installment Sales

By |2017-10-05T10:20:54+00:00October 5th, 2017|Tax Efficient Investing|

When an owner sells their business, the IRS and state taxing authorities will be there to take as much of it as they lawfully can. This one tax bill can be the single largest tax payment an owner will ever make and may represent over a third of their entire net worth. Furthermore, it comes after years of paying income/payroll taxes, working harder, and generally taking more risks than non-business owners.And when an owner wants to retire, the process is significantly more complicated than an employee who simply has to give a few weeks’ notice and maybe rollover a 401K. That’s because a business owner’s life’s savings is locked up in the value of their business. In fact, selling their business IS their retirement plan. So, accessing that wealth at the best possible price, in a way that is tax and cost efficient, is critical to their retirement.In this article, we introduce a unique service offering that can significantly reduce the impact of taxes and increase the price when selling a business. We’ve designed it to be used by business owners and their financial advisors (Wealth Managers, CFP’s, M&A Advisors, CPAs, etc.). If you are a business owner, or operate on behalf of business owners, read on.

1042 Exchange: Navigating Between a Rock and a Hard Place

By |2018-01-17T12:25:47+00:00June 20th, 2017|1042 QRP Solutions, Strategy Background, Tax Efficient Investing|

This particular Greek dilemma is what came to mind when I first encountered an ESOP. I observed that business owners who sold shares to an ESOP seemed, like Odysseus, to find themselves between a rock and a hard place. They could elect to pursue a 1042 exchange and bypass the Scylla of capital gains taxes, but in doing so they had to roll their sale proceeds into qualified replacement property. That path would likely lead to the Charybdis of Floating Rate Notes. These special ESOP bonds are the predominant 1042 exchange asset in the marketplace, a fact that belies their relative shortcomings as an investment asset. Just how unattractive floating rate notes are, and why they became the default 1042 rollover strategy among financial advisors, is the subject of this article. However, unlike Odysseus, business owners seeking to implement 1042 exchanges have more affordable and transparent paths to navigate between a rock and a hard place.

1042 QRP: Weighing the High Cost of Floating Rate Notes

By |2017-08-18T17:11:55+00:00January 25th, 2017|1042 QRP Solutions, Strategy Background, Tax Efficient Investing|

This cost-benefit analysis of floating rate notes as a 1042 QRP asset class will open your eyes to their high costs, ongoing fees and sub-optimal attributes

How to Reduce Taxes through Negotiation

By |2017-08-18T17:03:17+00:00January 13th, 2017|Research Insights, Guest Posts, Tax Efficient Investing|

Since this is my first post, I'll make a quick introduction before getting to the content: I love science and learning. In college, I majored in physics and, upon completion, felt I had earned a four-year [...]

Why ETFs are more tax-efficient than mutual funds

By |2018-11-06T09:24:50+00:00April 1st, 2014|Investor Education, Key Research, Tax Efficient Investing|

We're continually surprised by so-called "sophisticated" investors who fail to appreciate how taxes affect a portfolio's returns. Even the WSJ is confusing the public. A recent article on "The Myth of Cheaper ETFs" states the [...]

Taxes are more important than alpha.

By |2017-08-18T16:55:57+00:00July 9th, 2011|Research Insights, Tax Efficient Investing|

Paying taxes is my least favorite topic. Figuring out how to not pay taxes is my favorite topic. Before I continue, if you want to read a detailed study on the subject, see the following: [...]

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