Investment Decisions.With Taxes in View.
What you keep after taxes matters. We consider potential tax consequences when selecting investments, deciding what to sell and planning withdrawals.
Tax-aware investing is part of how we manage your portfolio within one ongoing wealth management relationship, alongside your goals, cash needs and investment risk.
Both reviews are complimentary. No obligation to become a client.
Where Tax Awareness Shapes Our Decisions
Investment Selection
We consider investment expenses and potential taxable distributions when choosing holdings for your portfolio.
Investments Across Accounts
We consider which investments to hold in taxable and retirement accounts, while keeping your overall investment mix aligned with your goals.
Sales and Withdrawals
We review unrealized gains, holding periods and cash needs before deciding what to sell or which accounts to draw from.
Tax-Loss Harvesting
When appropriate, we consider selling investments at a loss in taxable accounts to offset capital gains, while accounting for wash-sale rules and your investment strategy.
Consider the Tax Cost Before Making a Change
Review What You Own
We review existing holdings, account types and unrealized gains alongside your investment goals and cash needs.
Weigh the Trade-Offs
We balance potential taxes with diversification, investment risk and the reasons for making a change.
Manage With Your Goals in View
We consider taxes as we invest, rebalance and plan withdrawals, adjusting the portfolio as your circumstances evolve.
Taxes matter. So do diversification, access to cash and your long-term goals.
Direct Access. Clear Accountability.
Your Investment Manager
Work directly with Dragan Mark Filipovic, CFA®, the person responsible for managing your portfolio.
Independent Fiduciary
Investment advice centered on your goals, with an obligation to act in your best interests.
Independent Custody
Your assets are held in accounts in your name at Charles Schwab, with statements and online access provided directly by Schwab.
Standard annual advisory fee: 0.50% of assets under management.
Underlying fund expenses and applicable third-party charges are separate.
Before You Get Started
How does tax-aware investing fit into wealth management?
Tax considerations are part of how we manage your portfolio. We evaluate potential tax consequences when choosing investments, deciding which accounts hold them, selling holdings and planning withdrawals.
These decisions are coordinated with your goals, cash needs and investment risk within one ongoing wealth management relationship. The aim is to consider what you keep after taxes while maintaining a portfolio that supports your broader priorities.
Will I need to sell investments with unrealized gains?
Not automatically. We review appreciated holdings and consider whether they remain appropriate for your portfolio. Potential taxes are weighed alongside diversification, investment risk, costs and your need for cash.
Depending on your circumstances, retaining a holding, reducing it gradually or making a larger change may be appropriate. A tax cost is one consideration in that decision, alongside the risk and benefits of continuing to hold the investment.
What is tax-loss harvesting, and when might it help?
Tax-loss harvesting involves selling an investment at a loss in a taxable account so the loss may offset capital gains. It may be useful when an appropriate opportunity fits your broader investment strategy.
We consider replacement investments and wash-sale rules, which can disallow a loss deduction when substantially identical investments are purchased within 30 days before or after the sale. Activity in other accounts, including a spouse’s accounts, can matter. The benefit depends on your circumstances and is not guaranteed.
How do you consider taxable and retirement accounts together?
We look at the accounts we manage as parts of one portfolio, while recognizing that their tax treatment differs. We consider which investments to hold in each account, where cash is needed and how withdrawals may affect your overall strategy.
This helps us coordinate investment risk and tax considerations across accounts. Information you share about accounts held elsewhere can also inform those decisions.
Do you prepare tax returns or provide individualized tax advice?
No. Gold Coast Capital Management provides investment management that takes relevant tax considerations into account. We do not prepare tax returns or provide individualized tax or legal advice.
We explain the investment decisions we are considering and their potential tax implications. Your qualified tax and legal professionals should advise on your specific obligations, filings and legal circumstances.
See Your Portfolio With Taxes in View
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See how your investments fit your goals, with attention to risk, investment costs and taxes.
Complimentary Portfolio ReviewBoth reviews are complimentary. No obligation to become a client.