📂 Tax Strategy

Asset allocation gets all the attention; asset location quietly compounds. A senior tax-aware wealth strategist's framework for placing the right assets in the right account types — and the canonical hierarchy that captures the tax alpha.

Harvesting losses is the most reliable after-tax alpha most investors leave on the table — and the wash-sale rule is the one trap that quietly reverses it. Here is the framework for doing it cleanly.

Most portfolios leave 0.5–1.5% a year on the table by ignoring asset location — which holdings sit in taxable vs tax-deferred vs Roth accounts. The framework.