Our Services
FINANCIAL PLANNING
INVESTMENT MANAGEMENT
TAX PLANNING
Financial Planning
There are so many pieces to your finances that sometimes it can seem overwhelming. We strive to be at the center of our clients’ financial lives and give them confidence in their financial future. We are here to help clients with any financial uncertainties, including ones that may not be listed below.
Financial planning services include:
Retirement Planning
Investment Planning
Education Planning
Insurance Analysis
Student Loan Analysis
Charitable Giving
With so many things to worry about, is it any surprise that you’re unsure if you’re on the right track and making all the progress you could be? That’s okay- that’s why we’re here! We’ll look at your entire financial picture and help you fit the pieces together properly.
Investment Management
Yahara client portfolios focus exclusively on evidence-based strategies designed to capture market returns in a low-cost, tax-efficient manner. Research has shown that investors experience higher expected returns when they don’t try to “beat the market.” We focus on capturing — not trying to exceed — the returns of an asset class while minimizing clients’ costs and tax burden.
Client portfolios are tilted toward small and value companies to increase the expected return in stocks. We strive to decrease overall portfolio risk and volatility by using high-quality short- and intermediate-term bonds.
We build portfolios from companies dedicated to evidence-based investing. These include, but are not limited to, Dimensional Fund Advisors (DFA), Bridgeway, and Vanguard.
For stocks, we primarily use low-cost mutual funds and exchange-traded funds (ETFs) for the broad diversification they offer. For a bond allocation of sufficient size, our dedicated Fixed Income Desk can customize a laddered portfolio of individual taxable or tax-exempt bonds based on a client’s tax bracket and cash flow needs.
Mutual funds and ETFs are appropriate even for very large portfolios. With that said, we can build an evidence-based portfolio of individual stocks if a client’s situation warrants. Most often, this would be if a client comes to Yahara with a large portfolio of individual stocks that would cause undesirable tax consequences if sold.
Tax Planning
There are many questions that should be asked when it comes to building tax efficiency into your wealth management plan. The following are some that we can help you answer as you move toward your financial goals:
How can I create a spend-down strategy that decreases the taxes I pay over my lifetime, increasing the odds of never running out of money?
How do I avoid getting locked into a high tax bracket for the rest of my life?
How can I identify opportunities to lower taxes through IRA conversions and distributions?
How can I make my portfolio more tax-efficient when I rebalance?
How do the latest tax rules and regulations directly affect me?
How can I best blend the tax benefits I receive while I support the charities most special to me?
If any of these questions — or other tax-related issues — are on your mind, we are eager to have a conversation with you and work together with your tax professional on your behalf.