Tax-Aware Investing

The art of the Bespoke investment philosophy.

Successful investing isn’t a set-it-and-forget-it exercise, and it isn’t a sprint. It’s a disciplined, tax-aware approach that we help fine-tune as your life and your goals change. We tune out the daily noise that drives so many investors off course, and instead hold to a clear philosophy built around four core principles. The result is a portfolio that fits your life, not the headlines.

Our Core Principles

Four disciplines that guide every decision.

Markets shift constantly, but our principles don’t. These four disciplines guide how we build and manage every portfolio, in good markets and bad. Each one is aimed at the same goal: keeping more of your return working for you, year after year.

1.

Cost Efficiency

As appropriate for each client’s situation, we evaluate a range of investment options, including individual stocks, bonds, and tax-efficient vehicles, with the goal of building a cost-conscious portfolio aligned with their objectives.

2.

Tax Efficiency

Most of our clients sit in the top tax bracket, so reducing tax is a constant focus. Direct indexing, tax-loss harvesting in high-income years, and favoring long-term gains can help keep more in your pocket.

3.

Asset Allocation

We diversify across stocks, bonds, real estate, and private markets. As your net worth grows and your need for ready liquidity falls, private investments and their illiquidity premium grow attractive.

4.

Avoid Market Timing

It is time in the market, not timing of the market, that builds real wealth. Instead of reacting to each swing, we may treat volatility as opportunity, stay disciplined, and tune out the daily market noise.

Built Around You

Aligned to how you invest.

One philosophy doesn’t mean one portfolio. We shape the same disciplined approach around the way you want to invest. If you’re income-seeking, we prioritize cash flow and lower volatility. If you’re growth-oriented, we focus on total return over a longer horizon. If being values-aligned matters most, we invest in line with what you care about, with full transparency. And if you’re just starting, we build diversified portfolios with a lower entry point.

Any opinions are those of Bespoke Capital and not necessarily those of Raymond James. This material is being provided for information purposes only and is not a complete description, nor is it a recommendation. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

Direct Indexing strategies are subject to certain risks, including, portfolio tracking error, which is a portfolio’s deviation from the performance of the target market index. This can be caused by the strategy’s representative sampling methodology and client portfolio customization.

Tax-loss harvesting can have unintended tax consequences and there may be higher fees or costs associated with a replacement security or stock position. There is no guarantee that a favorable tax outcome will be achieved.

The best plans start with a conversation.

Your business built more than a career, it built a future for the people you love. Let’s start with a conversation, no pressure and no obligation, and help you prepare for the future with confidence. Give us a call or fill out the form, and we’ll connect you with a financial professional to discuss your goals and the best path forward.

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