An integral aspect of financial planning is minimizing the burden of taxes.  Incorporated into the comprehensive financial plan are a variety of techniques to accomplish this.  Cypress chooses a passive investing strategy of index funds which have the added benefit of minimal and often zero realized yearly distributions.  As part of the ongoing investment monitoring process, we look for opportunities to harvest capital losses to offset gains and ordinary income.  In addition, innovative techniques and software modeling are used to determine the most optimal asset location between taxable and tax-deferred accounts to minimize taxes.  Finally, Cypress utilizes a strong network of accountants and financial advisors for more complex client tax situations.

Are you certain that your estate plan is current and properly reflects your intentions?  At Cypress, we help to ensure that our clients’ final wishes are carried out exactly as they desire while minimizing the effect of taxes.  Change in the market, taxation legislation, and within your own family will impact estate planning decisions.  Starting at the most fundamental level, we work with clients to ensure they have an updated, accurate will and have plans in place concerning difficult medical or childcare decisions.  Next, we discern how legacy wishes and income needs can be navigated through innovative trusts and other tax efficient strategies.  If the client has charitable intentions, there are a variety of solutions that benefit both the donor and the beneficiary that we analyze, recommend and assist in execution.