Investment and Asset Planning, LLC: Specializing in Estate Planning and Asset Management

Many of our clients not only want good investment returns, they want low income taxes.

We help this with several types of tax reduction strategies. A partial list includes using Tax Exempt bonds. We choose several different ways to buy municipal bonds. Such bonds require some expertise and also paying attention to changes in the bond markets.

A second method is using stock market mutual funds which are "tax efficient" in that they use several methods of keeping capital gains to a minimum. We understand such methods and often choose mutual funds by their abilities to execute these capital gain planning strategies.

A third method is to use tax deferred investments such as IRAs, pension plans, and annuities.

A fourth method is to harvest capital gain losses, sell investments while they are down, and use these to offset capital gains from the sale of profitable investments. We often meet with clients late in the year to do this type of tax planning.

A fifth method is to choose mutual funds which have large amounts of capital gain losses retained within them. Some funds can avoid several years of expected capital gain profits for their investors because so many people sold their shares while the markets and fund were down.