What is Tax-loss Harvesting and will it affect my investments?

Tax-loss harvesting (especially when combined with Direct Indexing) has proven to add 1–2% to your after-tax net worth/gains. It’s a process of realizing losses in taxable accounts to offset gains or income, reducing your tax bill. We replace sold positions with similar (not identical) holdings to maintain your market exposure and avoid wash-sale issues, often automated daily via our modern financial technology stack. Your result is lower tax drag, same long-term performance.

How do I lower taxes from a side hustle or 1099 income?

Use a separate bank account, automate a % set-aside for quarterly estimates, and consider a Solo 401(k) or entity structure (e.g., S-Corp with reasonable comp) when income justifies it. Our goal is to help you avoid penalties while turning extra income into extra compounding.

Does rolling over my 401(k) have tax implications?

No. A direct trustee-to-trustee rollover (old plan → IRA or new plan) is not taxable. Avoid 60-day “indirect” rollovers and withholding issues. If rolling to Roth, we’ll plan the tax impact intentionally.

What is asset location and why should I care?

Asset location means placing the right assets in the right accounts. For example, tax-inefficient income assets in tax-advantaged accounts, and broad equity exposure in taxable. So you pay less in annual taxes over decades without changing your risk. There are many different types of accounts with advantages/disadvantages to each. We’ll help you make the most of every opportunity.

Are there Louisiana-specific tax moves I can make?

Louisiana benefits and elections (like potential 529 state advantages and PTET options for pass-through owners) can affect your plan. We help you understand all your opportunities and options so state and federal strategies actually work together.

What is and isn't automated at TFG?

We automate the recurring wins while manually planning the high-leverage decisions. Periodic reviews keep you on track as life changes so your plan is always reflective of your goals and your life.

Tax Planning that Helps You Keep More

Tax Strategy via TFG

Tax-Loss Harvesting

With Altruist One’s TaxIQ, opportunities are monitored daily to harvest losses automatically (subject to IRS rules) while keeping your portfolio on target.
Direct Indexing

Owning individual stocks that track an index (like the S&P 500) instead of a single fund gives you more flexibility to harvest losses and fine-tune taxes while still tracking the market.
Account Selection

We prioritize what goes where (401(k), Roth IRA, taxable, HSA) and in what order for the biggest long-run impact to help you reduce taxes you pay now and later.

Start Today

Two people working at a wooden table, with laptops and documents, during a business meeting or collaboration.

It’s more than just a refund. It’s about your system.

Taxes aren’t just a once-a-year thing. They’re an ongoing system that we help you automate and maximize.

With proper planning and guidance, you’ll keep more of your income, gains, bonuses, and other rewards.

By keeping it simple and strategic on purpose, you’re able to stay on track to meet your goals while navigating life.

Ready to keep more of what you earn?

Let's get Tax-Smart

Tax Planning FAQs

Tax-loss harvesting (especially when combined with Direct Indexing) has proven to add 1-2% to your after-tax net worth/gains.
It’s a process of realizing losses in taxable accounts to offset gains or income, reducing your tax bill.
We replace sold positions with similar (not identical) holdings to maintain your market exposure and avoid wash-sale issues, often automated daily via our modern financial technology stack.
Your result is lower tax drag, same long-term performance.
Use a separate bank account, automate a % set-aside for quarterly estimates, and consider a Solo 401(k) or entity structure (e.g., S-Corp with reasonable comp) when income justifies it. Our goal is to help you avoid penalties while turning extra income into extra compounding.
No.
A direct trustee-to-trustee rollover (old plan → IRA or new plan) is not taxable. Avoid 60-day “indirect” rollovers and withholding issues. If rolling to Roth, we’ll plan the tax impact intentionally.

Asset location means placing the right assets in the right accounts.
For example, tax-inefficient income assets in tax-advantaged accounts, and broad equity exposure in taxable.
So you pay less in annual taxes over decades without changing your risk.
There are many different types of accounts with advantages/disadvantages to each.
We’ll help you make the most of every opportunity.
Louisiana benefits and elections (like potential 529 state advantages and PTET options for pass-through owners) can affect your plan.
We help you understand all your opportunities and options so state and federal strategies actually work together.
We automate the recurring wins while manually planning the high-leverage decisions.
Periodic reviews keep you on track as life changes so your plan is always reflective of your goals and your life.

Your Taxes

Taken Care Of

Life Events

New job, rolling over your 410(k), getting married, having kids… we’ll help you navigate it all, including tax implications.
Portfolio Management

Tax-loss harvesting, rebalancing, and capital gains management are carefully watched and planned for, ensuring your ideal outcome.
Withdrawl

When it’s time to withdraw your money, we’ll help you build a plan to maximize your retirement so you can enjoy more.