Tax Efficient Strategies

Keep More of What You Earn

Growing wealth is important. Keeping more of it may be even more important.

At Driftless Financial, Alex Matz helps clients coordinate investments, retirement planning, and tax strategies through an ongoing advisory relationship designed to improve long-term after-tax outcomes. By evaluating how assets are invested, where they are held, and how they may eventually be distributed, we help clients make informed decisions that support their financial goals today and for generations to come.

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WHY TAX-EFFICIENT PLANNING MATTERS

Your Investments Shouldn't Create an Unnecessary Tax Bill

Many investors focus on rates of return while overlooking one of the biggest factors impacting long-term wealth: taxes.

Without proper planning, investment income, capital gains, retirement distributions, and inherited assets can create avoidable tax consequences.

Our Tax-Focused Planning Includes:

Asset location strategies
Tax-efficient investment selection
Roth conversion analysis
Retirement distribution planning
Capital gains management
Legacy and inheritance planning
Multi-generational tax strategies

Because true financial planning is about what you keep—not just what you earn.

SMART ASSET LOCATION

Putting the Right Investments in the Right Accounts

Not every investment belongs in every account.

Asset location is the process of strategically placing investments into taxable, tax-deferred, and tax-free accounts to potentially improve after-tax returns.

We evaluate how investments are positioned across:
Taxable brokerage accounts
Traditional IRAs
Roth IRAs
Employer retirement plans
Trust and legacy accounts

By strategically locating assets, we may help improve tax efficiency and potentially reduce the lifetime tax burden on your portfolio.

Taxable Accounts

Often appropriate for:

Tax-efficient ETFs
Individual stocks
Long-term growth investments

Tax-Deferred Accounts

Often appropriate for:

Bonds
Income-producing investments
Certain actively managed strategies

Tax-Free Accounts

Often appropriate for:

Higher-growth investments
Long-term appreciation opportunities
Future tax-free retirement income

ONGOING TAX PLANNING STRATEGIES

The best tax opportunities are often identified long before a tax return is filed.

That's why we continually evaluate planning opportunities throughout the year, including:

Tax-loss harvesting
Capital gain management
Roth conversion opportunities
Retirement distribution strategies
Medicare premium planning
Social Security taxation analysis
Charitable giving strategies
Required Minimum Distribution planning

Our goal is to proactively identify opportunities that align with your overall financial plan.

HELPING MULTIPLE GENERATIONS

Building Wealth Beyond Your Own Retirement

Successful financial planning extends beyond a single generation.

We work with families to create strategies that help parents, children, and future generations make smarter financial decisions.

For Parents

Tax-efficient retirement income
Roth conversion planning
Legacy planning
Wealth preservation strategies

For Childern

Roth IRAs for earned income
Early investing education
Tax-smart savings strategies
First-job financial guidance

For Future Generations

529 college savings plans
Gifting strategies
Inheritance planning
Family wealth education

INVESTMENTS ARE TOOLS. PLANNING IS THE STRATEGY

Investment Recommendations Built Around Your Goals

No single investment works for every client.

Instead, we build personalized strategies based on your goals, risk tolerance, time horizon, tax situation, and retirement objectives.

Depending on your needs, your strategy may include:

Exchange-Traded Funds (ETFs)
Mutual Funds
Individual Stocks
Fixed Income Investments
Traditional IRAs
Roth IRAs
401(k) Rollovers
SEP and SIMPLE IRAs
529 Education Plans
Annuities
Cash Management Solutions

Products alone do not create successful outcomes. The value comes from how they work together as part of a coordinated financial plan.

WHAT'S YOUR TAX STRATEGY MISSING?

Because Life Doesn't Stand Still

Your financial strategy should evolve as your life evolves.

Career changes. Tax laws change. Retirement approaches. Families grow. Priorities shift.

A well-designed financial plan doesn't just focus on growing assets—it focuses on maximizing what stays in your family's hands.

Schedule a conversation with us to learn how tax-efficient investing, strategic asset location, and coordinated planning can support your long-term financial goals.

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