What you own matters. Where you own it — taxable, tax-deferred or tax-free — can matter just as much.
Two families with identical investments can end up with very different after-tax results. The difference is often location, not selection.
Match the asset to the account
Tax-inefficient holdings generally belong in tax-advantaged accounts; tax-efficient growth can live in taxable accounts where it is taxed gently.
Diversification across tax treatments
Spreading wealth across taxable, tax-deferred and tax-free buckets gives you control over your tax bill every single year of retirement.
Review as laws change
Location decisions are not permanent. We revisit them as brackets, rules and your accounts evolve.
This article is for educational purposes only and is not tax, legal or investment advice. Speak with a licensed professional about your own situation.
