Do you take taxes into consideration when allocating between taxable and retirement accounts?

To minimize the taxes you incur on your investments we implemented a form of Asset Location known as differentiated asset location. By differentiated asset location we mean that we use different mixes of asset classes for your taxable and retirement accounts. Differentiated asset location should not be confused with segregated asset location, which segregates asset classes entirely into one type of account or another. We chose not to implement segregated asset location because it is only beneficial to people whose retirement accounts represent a large percentage of their net worth which is atypical for our clients.


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