Investments,
tax & technology
For 30 years, I have been at the intersection of investments, tax and technology. I ran TurboTax for ten years, was co-founding CEO of PayPal, and founding CEO of Personal Capital, a $23 billion investment firm.
Bill Harris, Founder of Evergreen Money
The bible of investment
tax strategy
Tax is the single most important driver of investment performance. A disciplined tax strategy can save you tens or even hundreds of thousands in taxes.
For a high-income taxpayer in a high-tax state, the total tax on interest on your bank balance can reach 50%.
Top Ten Tax Strategies
Top Ten Tax Strategies
Enter some text
SAVE TAXES
Powerful Tax Tips
It's What You Keep
3.75%
Pre-tax income is a mirage but after-tax income is money in your pocket.
TAX BASICS
Powerful Tax Tips
Disciplined and consistent implementation of good strategies builds tax savings.
Tax Loss
Harvesting
Powerful Tax Tips
Harvest tax losses frequently throughout the year using up to hundreds of individual stocks.
Harvest tax losses frequently throughout the year using up to hundreds of individual stocks.
Tax Gain
Deferral
Powerful Tax Tips
Reduce taxes on appreciated securities using deferrals, offsets and carry forwards.
Tax Exempt
Securities
Powerful Tax Tips
Treasury bonds are exempt from state tax. Municipal bonds are exempt from federal and often state tax.
Tax Driven
Accounts
Powerful Tax Tips
Enter some text
Defer current taxes and compound tax-free with an IRA or 401k. With a Roth, income is tax-free forever.
Asset
Location
Powerful Tax Tips
It's what you keep
Put the right assets - capital gains vs dividends vs interest-generating securities - in the right accounts.
Avoid Short
Term Gains
Powerful Tax Tips
It's what you keep
Eliminate higher taxes on short-term capital gains by managing the holding periods of your investments.
Avoid Mutual
Funds
Powerful Tax Tips
It's what you keep
Mutual funds are tax inefficient with high fees, low diversification and suboptimal risk/return profiles.
Tax-Efficient
Credit
Powerful Tax Tips
It's what you keep
Student debt, mortgages, home equity loans and some margin loans are low-cost and tax deductible.
Education &
Gifting
Powerful Tax Tips
It's what you keep
Use the annual tax-free transfers to family members and make a plan for inheritances and estate.
Charitable
Giving
Powerful Tax Tips
It's what you keep
Receive charitable deductions and eliminate capital gains tax while controlling the timing of donations.
State Name Goes Here
Enter some text
3.75%
State Name Goes Here
Enter some text
3.75%
State Name Goes Here
Enter some text
3.75%
State Name Goes Here
Enter some text
3.75%
State Name Goes Here
Enter some text
3.75%
State Name Goes Here
Enter some text
3.75%
State Name Goes Here
Enter some text
3.75%
State Name Goes Here
Enter some text
3.75%
State Name Goes Here
Enter some text
3.75%
State Name Goes Here
Enter some text
3.75%
State Name Goes Here
Enter some text
3.75%
State Name Goes Here
Enter some text
3.75%