can act as your sounding board.
We are not financial
planners or money managers. However, we can review investment
ideas with you and your investment advisor.
Don't ignore the
impact of taxes on your investments. While taxes should not
drive your investment strategy, understanding how taxes affect
your earnings will help you minimize taxes and maximize your
return. Consider these items:
current laws, capital gains and qualified dividends
carry a favored tax status.
can take an annual deduction of up to $3,000 of capital
losses in excess of capital gains. Consider balancing
your winners and losers to maximize this deduction each
year. Remember that net losses in excess of $3,000 can
be carried forward to the next tax year.
which produce high taxable annual income can be given
to family members who are in lower tax brackets, thereby
saving taxes for the overall family group - if it is
practical in your situation.
on your tax bracket, you may benefit from investing in
municipal bonds. The level of these investments may need
to be adjusted as your total income picture changes. You
need to be aware of the alternative minimum tax laws which
may affect your taxes.
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