Tax-Integrated Financial Planning: How to Keep More of Your Investment Returns

Tax planning and investment management should not operate in separate silos. In this video, Grant Joiner, CFP® professional and Enrolled Agent, explains how coordinating your investments, retirement distributions, and tax strategy may help you keep more of your wealth after taxes. Topics covered include: • Asset location and choosing the right investments for each account • The long-term impact of tax drag • Tax-loss harvesting • Roth conversion planning • Required minimum distribution management • Qualified charitable distributions • Social Security and Medicare income considerations • Charitable deduction bunching and donor-advised funds • Timing income and gains across different tax years Effective tax planning is not about using every available strategy. It is about identifying the right strategies, coordinating them with your broader financial plan, and implementing them at the right time. Learn more about Vineyard Wealth Group or schedule a complimentary introductory meeting at: https://www.vineyardwealthgroup.com Chapters 00:00 Introduction 00:25 Why investments and taxes should be coordinated 00:57 Five areas of tax-integrated planning 01:44 Understanding tax drag 02:44 Asset location 04:49 Tax-loss harvesting 05:51 Roth conversion case study 08:17 RMDs and qualified charitable distributions 09:51 Timing different tax strategies 10:40 Charitable deduction bunching 11:43 Bringing tax preparation and investment planning together This video is provided for educational and informational purposes only and should not be considered individualized investment, tax, or legal advice. Tax laws and planning opportunities vary based on individual circumstances and may change over time. Consult the appropriate financial, tax, and legal professionals before implementing any strategy. For full list of disclosures visit vineyardwealthgroup.com/disclosures