ACCOUNT ACCESS

Investment Policy Design

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Tax Efficiency

In seeking to enhance portfolio rates of return, Family Heritage Trust strives to maximize after-tax returns so the tax burden of our clients can be minimized to the greatest extent possible. Tax efficient portfolio management requires diligent monitoring of the consequences of each investment decision along with awareness of long and short term strategy. For example, when an investment is sold can make the difference between paying the higher taxes associated with a short-term gain or the more modest tax rate of a long-term gain. And, when there are gains it is incumbent upon us to utilize tax harvesting and look for ways in which to offset these gains with potential losses.

Tax management can be a complicated process, and we track each account's capital gain and loss situation over the course of the year. With each investor presenting a unique set of circumstances, we seek feedback from our clients to ensure that we are managing their portfolios as tax efficiently as possible. In doing so we strive to maximize after-tax rates of return, and honor the adage that states, "It isn't how much you make, it is how much you keep!".