Tax Strategy

Most people experience taxes as an annual exercise—something to manage after the fact. But meaningful tax efficiency doesn’t come from finding incremental deductions each spring. It comes from planning ahead.

At EdgeRock, tax strategy is an ongoing discipline. We look across income, investments, business activity, and legacy planning to help reduce avoidable tax friction over time. By thinking several years ahead, we help clients make decisions today designed to improve outcomes well into the future.

Investment returns are only meaningful after taxes. We design portfolios with tax awareness built in—considering asset location, turnover, and realization timing—so investment decisions support long-term after-tax outcomes, not just pre-tax performance.

How you draw from your wealth matters as much as how much you draw. By thoughtfully sequencing taxable, tax-deferred, and tax-free accounts, we help reduce unnecessary tax drag while preserving flexibility across changing income needs and market environments.

Roth conversions are most effective when approached as a multi-year strategy, not a one-time decision. We evaluate income levels, tax brackets, market conditions, and future obligations to identify opportunities to shift assets into tax-free growth when it makes strategic sense.

Tax strategy plays a critical role in how wealth is ultimately transferred. By coordinating tax planning with estate structures and philanthropic goals, we help clients reduce friction, preserve intent, and ensure more of what they’ve built benefits the people and causes they care about.