Bayntree Wealth Advisors

Most retirees think Social Security is mostly tax-free.

It’s not.

Up to 85% can be taxed, and it catches a lot of people off guard.

🎥 Watch the full video to understand how it works and what you can do about it, https://www.facebook.com/share/v/1CfUxY1YyZ/

Here is what tax-loss harvesting can look like in practice.

An investor sells an investment that generates about a $30,000 short-term capital gain. In a higher tax bracket that gain could create a tax bill of over $10,000.

But a review of the portfolio finds other investments sitting at a loss. By strategically selling some of those positions the gain could be offset and the amount owed dramatically reduced.

In this illustrative example the strategy could save you thousands of dollars.

That isn't a complicated move. That's proactive planning done at the right time.

Have you ever had a year where you could have used this strategy? Let us know in the comments.

🎥 Watch the full video: https://www.facebook.com/share/v/19NxgLFZZF/

This is a hypothetical, illustrative example and not specific tax or investment advice. Consult your tax advisor regarding your individual situation.

Not sure if your portfolio has opportunities like this? Take our free Retirement Readiness Assessment below.
👇 https://www.bayntree.com/retirement-quiz

Investment advice is offered through Bayntree Wealth Advisors, LLC, an SEC-registered investment adviser. Insurance and annuity products are offered separately through Bayntree Planning Group, LLC. Bayntree does not provide, and no statement contained herein shall constitute, tax or legal advice. You should consult a tax or legal professional on any such matters. Opinions expressed herein are solely those of Bayntree Wealth Advisors. All content is for informational purposes only and is not intended to provide the basis for any financial decisions.

Here is the mistake we see investors make more than almost any other.

They focus entirely on their investment returns and completely forget about the tax side of the equation.

But what really matters isn't what you earn. It's what you keep after taxes. And the small planning decisions you make especially before year-end can potentially make a huge difference over time.

Most people wait until December. The best opportunities show up throughout the year.

Have you ever thought about the tax side of your investment returns? Let us know in the comments.

🎥 Watch the full video: https://www.facebook.com/share/v/19NxgLFZZF/

Want to see if your retirement plan is optimized for taxes? Take our free Retirement Readiness Assessment below.
👇 https://www.bayntree.com/retirement-quiz

Investment advice is offered through Bayntree Wealth Advisors, LLC, an SEC-registered investment adviser. Insurance and annuity products are offered separately through Bayntree Planning Group, LLC. Bayntree does not provide, and no statement contained herein shall constitute, tax or legal advice. You should consult a tax or legal professional on any such matters. Opinions expressed herein are solely those of Bayntree Wealth Advisors. All content is for informational purposes only and is not intended to provide the basis for any financial decisions.

Have you ever looked at your investments and thought well at least some of them are doing well while trying to ignore the ones that aren't.

What most people don't realize is those losing investments could actually help you save thousands in taxes.

In one hypothetical example, a single strategic move before year-end could save you thousands of dollars. No complicated strategies. No risky moves. Just smart proactive planning that most people never think to do.

Have you ever used your losing investments to offset your tax bill? Let us know in the comments.

🎥 Watch the full video: https://www.facebook.com/share/v/19NxgLFZZF/

Not sure if this strategy applies to your portfolio?

Take our free Retirement Readiness Assessment below and find out where your gaps might be.
👇 https://www.bayntree.com/retirement-quiz

Investment advice is offered through Bayntree Wealth Advisors, LLC, an SEC-registered investment adviser. Insurance and annuity products are offered separately through Bayntree Planning Group, LLC. Bayntree does not provide, and no statement contained herein shall constitute, tax or legal advice. You should consult a tax or legal professional on any such matters. Opinions expressed herein are solely those of Bayntree Wealth Advisors. All content is for informational purposes only and is not intended to provide the basis for any financial decisions.

Most investors focus entirely on what their portfolio earns. But what really matters isn't what you earn. It's what you keep after taxes.

Here's something most people never think about: the investments in your portfolio that are down in value could actually save you thousands in taxes. By selling those positions strategically, you can offset gains elsewhere and reduce your tax bill without ever leaving the market.

In this video, Andrew walks through a hypothetical scenario in which a single strategic move before year-end offsets a $30,000 gain and saves over $11,000 in taxes.

We also walk through how tax-loss harvesting works, the wash sale rule that trips people up, and a bonus strategy called tax-gain harvesting that can be even more powerful in the right year.
If you have a taxable investment account, this is worth watching.

Drop a comment below if you have questions about your situation. 👇

Want a clear picture of where your retirement and tax plan stands? Take our free Retirement Readiness Assessment
👉 https://a.bwa.one/FB-Tax-Loss-Assessment

Bayntree Wealth Advisors | Scottsdale, AZ

Investment advice is offered through Bayntree Wealth Advisors, LLC, an SEC-registered investment adviser. Insurance and annuity products are offered separately through Bayntree Planning Group, LLC. Bayntree does not provide, and no statement contained herein shall constitute, tax or legal advice. You should consult a tax or legal professional on any such matters. Opinions expressed herein are solely those of Bayntree Wealth Advisors. All content is for informational purposes only and is not intended to provide the basis for any financial decisions.

💡 Everyone says “do a Roth conversion!” but here’s the catch: sometimes it hurts more than it helps.

If your future tax rate is the same or lower than today’s, paying taxes now may not make sense.

It’s not about hype, it’s about math.

👉 Watch the full video to learn when a Roth conversion actually pays off.
https://www.facebook.com/share/v/1BBKhyjnXG/

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