Benjamin Franklin famously said, “In this world, nothing is certain except death and taxes.”[1]

At SJS, we accept his premise about death. But when it comes to taxes, thoughtful planning can influence both how much you pay and when you pay it.

At SJS, we work with you to understand the complex topic of taxes. Tax-efficient investing involves aiming to reduce and defer taxes through optimized investment management.

Many people want to explore how they can make gifts to family members without affecting their own financial security. We offer these possible gifting options.

Depending on individual circumstances, some people consider converting their Traditional IRA to a Roth IRA in an effort to increase longer-term after-tax returns.

It appears that Democrats will control the Presidency and Congress. Naturally, the question many clients have been asking is “What does this mean for my portfolio?”

Some taxable clients have recently asked us: what can we do with our harvested losses? Investors may have the following options.

Maybe Ben Franklin was wrong about taxes. When it comes to investing, you can potentially avoid taxes, or at the very least postpone them.