After-Tax Investing Across All Accounts

Disciplined, tax-aware investment management for investors with $1M+ in investable assets. Serving the San Francisco Bay Area from Walnut Creek, CA.

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Who is tax-aware investment management for?
This is designed for high-income investors with $1M+ in investable assets who hold assets across multiple account types (taxable, retirement, trust, business accounts, etc.) and want a more coordinated focus on after-tax outcomes. We serve the San Francisco Bay Area, based in Walnut Creek, CA.
What problem does “after-tax investing” solve?
Many portfolios are managed account-by-account, which can unintentionally increase tax drag over time. After-tax investing emphasizes coordination across all accounts so that investment decisions consider how taxes may affect what you actually keep.
What does Index Gurus mean by “after-tax outcomes”?
It means evaluating investment decisions with an awareness of taxes—such as capital gains, dividends, interest, and the tax treatment of different account types—so your strategy reflects real-world results rather than pre-tax returns alone.
Do you provide tax advice or replace my CPA?
No. We provide tax-aware investment management and planning considerations, but we do not replace your CPA or tax attorney. When appropriate, we coordinate with your professionals so the investment strategy aligns with your broader tax picture.
What is asset location, and why does it matter?
Asset location is the decision of which investments to hold in which account type (for example, taxable vs. retirement accounts) with the goal of improving after-tax efficiency. The right approach depends on your goals, time horizon, and tax circumstances.
How do you handle capital gains and rebalancing?
We consider tax implications when making portfolio decisions, including rebalancing and managing gains, but investing involves tradeoffs and outcomes vary. The goal is a disciplined process that accounts for taxes while still prioritizing your long-term objectives.
What should I expect if we work together?
Clients typically want more clarity, less “fragmented” decision-making across accounts, and a strategy that intentionally balances risk management with tax awareness. We emphasize transparency so you understand the reasoning behind decisions.
Do you guarantee lower taxes or higher returns?
No. Tax outcomes depend on individual circumstances and tax law, and investment results are not guaranteed. All investing involves risk, including possible loss of principal. Our focus is disciplined decision-making with an after-tax lens.
How do I request an after-tax portfolio review?
You can request a private consultation here: https://www.indexgurus.com/contact-us

Index Gurus, Inc. is a fee-only registered investment adviser. Advisory services are provided only to clients where Index Gurus, Inc. is properly registered or exempt from registration. Serving the San Francisco Bay Area from Walnut Creek, CA. Registration does not imply a certain level of skill or training. All investing involves risk, including the possible loss of principal. Any discussion of strategies is for educational purposes and does not constitute a recommendation to buy or sell any security. Tax considerations are general in nature— please consult your tax professional for advice regarding your specific situation.