Tax-Aware Preservation Strategies

Executive summary

Tax efficiency compounds across decades. Preservation-focused households layer Roth, HSA, tax-loss harvesting, and asset location deliberately.

• Roth conversions in low-income years
• HSA as long-term wealth vehicle
• Tax-loss harvesting annually

Key takeaways

• Roth conversions in low-income years
• HSA as long-term wealth vehicle
• Tax-loss harvesting annually
• Asset location: bonds in tax-deferred, equities in taxable

Key strategies

1. Strategy 1

   Roth conversions in low-income years

2. Strategy 2

   HSA as long-term wealth vehicle

3. Strategy 3

   Tax-loss harvesting annually

4. Strategy 4

   Asset location: bonds in tax-deferred, equities in taxable

Pro-tips checklist

• Don't let tax dominate strategy — it compounds, but slowly
• Audit asset location every 3 years

FAQ