Tax Optimization Strategies

What are Tax Optimization Strategies?

Tax optimization minimizes your lifetime tax burden through strategic planning that coordinates all aspects of your financial life. Censifi specializes in tax-efficient investing, retirement account strategies, and income planning, helping you keep more of what you earn without compromising your goals.

Common Tax Optimization Techniques:

• Tax-Loss Harvesting: Strategic selling to offset capital gains and reduce tax liability

• Roth Conversion Planning: Strategic conversions to minimize lifetime tax burden

• Asset Location: Placing investments in the most tax-efficient account types

• Charitable Giving Strategies: Donor-advised funds and qualified charitable distributions

Why Tax Optimization Saves Money:

• Compound Savings: Keeping more money invested leads to exponential growth over time

• Strategic Timing: Proper planning can save thousands annually in unnecessary taxes

• Coordination: Aligning all financial decisions to minimize overall tax impact