INDIVIDUALS AND FAMILIES

Tax Planning

It is very important to consider income tax costs when managing taxable accounts. Pacific Trust Wealth Management provides efficient tax planning solutions with regards to tax loss harvesting.  PTWM also considers tax consequences using customized individual account management. While tax issues alone should not drive investment decisions, Pacific Trust strives to realize net long-term capital gains, leading to tax efficiency and higher after-tax returns which are meaningful to investors.

Further, PTWM’s view is that income tax optimization should be done in the context of overall tax planning and not limited to client investment portfolios. We work with our clients and their CPAs and can provide information for quarterly income tax projections,  for building annual income tax models, for reviewing draft tax returns in order to assure accuracy, and to design multi-year planning scenarios, to assure that investment and gifting strategies are implemented in the most beneficial manner.  Your CPA takes the lead on taxes, Pacific Trust provides the support.  

Pacific Trust also works with clients to examine the income tax consequences of retirement plan funding, retirement plan distributions, required minimum distributions, IRA and 401K Plan rollovers, and 529 plans. A complete range of possible charitable gifting alternatives is considered as well.