No. We work with business owners, W-2 earners, and DIY investors who want a second set of eyes.

Yes. We do ask for statements from your other advisor and a clear view of what they manage. Without that, we can’t manage your money efficiently, and the two of us could end up holding the same investments.

We only charge an assets under management fee. No commissions. The amount depends on the size and makeup of your assets. On the call we walk through the fee and the math for your situation, and you’ll see it in writing before you sign anything.

Tax alpha is the extra return you keep by managing taxes well. Two portfolios can earn the same return on paper, and the one that’s managed with taxes in mind leaves more in your pocket.It comes from decisions like which account holds which investment, when gains get realized, and harvesting losses. A strategy still has to make sense before taxes. The tax savings are a bonus on top of a good plan, never the reason for it.

Tax loss harvesting means selling an investment that’s down to lock in the loss, then reinvesting in something similar so you stay invested. That loss can offset gains elsewhere, and up to $3,000 a year can offset ordinary income. Unused losses carry forward to future years.It works best when it’s planned early. If you expect a big gain, like selling a business, we can start banking losses a year or two ahead.

Several common ones:Municipal bonds, whose interest is generally free from federal income tax, and often from state tax if you live in the issuing state.Retirement accounts like 401(k)s, IRAs, and Roth IRAs.Health savings accounts (HSAs).529 plans for education savings.Tax-managed portfolios that harvest losses inside the account.For a concentrated stock position, a 351 exchange lets you diversify while deferring the tax, much like a 1031 exchange does for real estate.Which of these fit depends on your income, your goals, and what you already own. That’s what the first call is for.