The market’s volatility so far this year doesn’t feel great, but remember: every dip creates opportunities. Two of the most valuable are tax loss harvesting and buying quality closed-end funds when they trade at larger discounts, and we’ve already been executing both on our clients’ behalf.
The market’s volatility so far this year doesn’t feel great, but remember: every dip creates opportunities. Two of the most valuable are tax loss harvesting and buying quality closed-end funds when they trade at larger discounts, and we’ve already been executing both on our clients’ behalf.
What We’ve Done So Far
| Strategy | Why It Matters | How We Executed |
| Tax loss harvesting | Realized losses today can offset future gains and up to $3,000 of ordinary income per year. | We realized losses where appropriate, then reinvested the proceeds in similar positions so your allocation stays on target. Despite the market declines many clients still have little unrealized losses. |
| Discount shopping in closed-end funds | In selloffs, discounts often widen creating value for investors. | We selectively rotated into funds trading at deeper than usual discounts to lock in higher yields and potential price upside. |
Bottom line: these advantages are built into our process—no action needed on your end.
Roth Conversions: A Timely Opportunity: If the Numbers Work
Moving assets from a traditional IRA to a Roth while values are down can turn the rebound into tax free growth. A conversion makes sense only when:
Because these factors differ for each family, we need a clear view of your tax picture before recommending next steps.
Action Needed: Send Us Your 2024 Tax Return
Please email or securely upload your 2024 return. With it we will:
No cost, no obligation: just actionable insight tailored to you.
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