Asset Diversification

Where you invest can matter as much as how you invest.

Lower your taxes through smart asset location

Your taxes can vary greatly depending on where you make investments. Making investments in Roth IRAs, for instance, is a very tax efficient way to pass money to heirs, but probably not the best location for bonds which have lower returns and benefit less from not paying taxes on earnings. And that’s just one simple scenario.

Using our proprietary technology, we can sort through millions of possible future outcomes and find an asset location plan that aims to minimize your taxes and maximize your wealth.

Optimize asset location in concert with other financial decisions

Our unified consumer finance system explores thousands of different wealth building ideas for you. We don’t just determine which investments will help you reach your goals; we ask how those investments will interact with all the other decisions you make. It is all part of Efficient Investing.

Leave more money to the people who matter

We want you to have the option to maximize the wealth you transfer to heirs and non-profits. We help members proactively take steps to reduce the amount of tax that their heirs will pay with strategies like earmarking post-tax Roth IRAs for bequests, among other things. And, for especially complicated estates, we can make referrals to tax attorneys and other experts through our concierge service.