Improving After-Tax Returns

At Infinitus Wealth Management, tax efficiency is integrated directly into the investment management process. Investment performance is ultimately measured on an after-tax basis, and thoughtful tax planning within portfolio construction can meaningfully influence long-term wealth accumulation.

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Our Tax-Efficient Investing approach focuses on managing portfolio decisions with awareness of tax impact — helping clients retain more of their investment returns while maintaining alignment with long-term capital objectives.

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What Is Tax-Efficient Investing?

Tax-efficient investing involves structuring portfolios and making investment decisions in a way that considers the tax implications of gains, income, and distributions.

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This may include:

• Managing realized gains and losses strategically

• Evaluating holding periods for tax treatment

• Coordinating asset location across taxable and tax-advantaged accounts

• Monitoring portfolio turnover

• Managing distributions and income-generating investments

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The objective is not simply to minimize taxes in the short term, but to improve long-term after-tax outcomes through disciplined capital management.

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Strategic Gain & Loss Management

Investment portfolios naturally generate gains and losses over time. Our process incorporates thoughtful evaluation of when to realize gains and when to offset them with losses, where appropriate.

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Tax-loss harvesting may be used to:

• Offset realized gains

• Reduce taxable income within applicable limits

• Improve portfolio tax efficiency without materially altering long-term allocation

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These decisions are made within the broader investment strategy to ensure tax considerations complement — rather than override — portfolio objectives.

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Asset Location & Account Coordination

Different types of investments may be more suitable for certain account structures. We evaluate how assets are allocated across:

• Taxable brokerage accounts

• Retirement accounts (such as IRAs)

• Other tax-advantaged structures

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Placing income-producing or higher-turnover assets in tax-advantaged accounts, when appropriate, can enhance overall portfolio efficiency.

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Asset location is coordinated with overall asset allocation to support both growth and tax awareness.

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Managing Turnover & Distributions

Portfolio turnover and distribution management can influence tax outcomes. Our active management process considers:

• Holding periods

• Dividend and capital gain distributions

• Rebalancing impact

• Income-producing investments

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These factors are evaluated alongside investment merit to help manage unnecessary tax drag while preserving portfolio integrity.

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Long-Term Compounding & Tax Awareness

Taxes can meaningfully impact long-term compounding. Even modest improvements in after-tax returns may enhance portfolio growth over time.

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By integrating tax considerations into portfolio construction and ongoing management, we seek to support more efficient capital accumulation while maintaining disciplined investment principles.

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Our Objective

To enhance long-term after-tax portfolio performance by integrating tax awareness into investment management decisions, helping clients retain more of their returns while pursuing growth and risk management objectives.

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Disclosure

Investment advisory services are provided by Infinitus Wealth Management, a registered investment adviser. All investments involve risk, including the potential loss of principal. No investment strategy can guarantee returns or eliminate risk. Past performance is not indicative of future results.