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Tax-Efficient Investing: 3 Smart Strategies to Lower Your Tax Bill 14704o
28/05/2025
28/05/2025
Tyler Hafford and Hannah Tackett break down three powerful tax-efficient investing...
Tyler Hafford and Hannah Tackett break down three powerful tax-efficient investing strategies—Roth conversions, tax-loss harvesting, and asset location—in this year-end planning episode of Dollars to Dreams. With relatable explanations and smart examples, they show how being intentional with your investments and types can reduce tax drag and boost long-term growth. Whether you're managing a dip in the market or planning for retirement, these strategies help you keep more of what you earn.
You’ll learn: Roth Conversions – When and why to consider converting traditional retirement dollars to Roth s for tax-free growth.
Tax-Loss Harvesting – How realizing losses can help offset gains or income and reduce your current year’s tax bill.
Asset Location – Optimizing where your investments live to limit tax exposure while maintaining the same overall portfolio.
Takeaways: [03:05] – “Taxes are one of the biggest drags on investment performance.” – Why tax-efficient investing matters for long-term gains.
[07:12] – Roth conversions explained – Ideal during low-income years, especially before RMDs or during early retirement.
[13:40] – Tax-loss harvesting strategy – Offset gains or reduce income by realizing losses during dips, rebalancing, or year-end planning.
[18:28] – Asset location insight – Place tax-inefficient investments (like bonds) in IRAs and tax-efficient ones (like index funds) in brokerage s.
[21:45] – “Review asset location regularly.” – Keeping your portfolio efficient isn’t just a one-time setup—it’s an ongoing process.
Got questions? We can answer them with clear, actionable strategies. us at PenobscotFA.com.