Tax Efficiency

Smart Investing Means Keeping More of What You Earn

You don’t need to be a tax expert to make tax-smart decisions—but you do need to understand how taxes affect your income, investments, and long-term goals.

At Clegg Investment Services, we help you keep more of your hard-earned money by making your financial plan as tax-efficient as possible. That means working smarter—not harder—when it comes to managing your investments and financial future.

Why Tax Efficiency Matters

Taxes are one of your biggest expenses over a lifetime. The good news? You often have more control over your tax bill than you think—especially when it comes to how and where you invest.

By choosing the right accounts, understanding how your income is taxed, and planning ahead, you can reduce what you owe and grow your wealth faster.

Real Life Affects Your Taxes

Taxes aren’t one-size-fits-all. Your job, family, and financial situation all influence how much you owe—and how much you can save.

Here are a few examples of how life impacts your tax picture:

 Job Type & Income

• W-2 employees are taxed differently than self-employed individuals or business owners.

• If you receive bonuses, stock options, or freelance income, we can help you plan for those taxes upfront.

 Family & Dependents

• Having children, adopting, or caring for a dependent can qualify you for valuable tax credits.

• Filing jointly vs. separately can impact both your tax rate and eligibility for deductions.

 Life Changes

• Buying a home, changing jobs, or relocating can all affect your tax situation.

• Big decisions—like withdrawing from retirement accounts or selling investments—can trigger unexpected tax consequences.

Simple Strategies to Reduce Your Tax Burden

We help you implement easy-to-understand strategies that can make a big difference, such as:

• Using tax-advantaged accounts like IRAs, Roth IRAs, 401(k)s, HSAs, and 529 plans

• Placing the right investments in the right accounts (taxable vs. tax-deferred)

• Harvesting tax losses strategically to offset gains

• Timing withdrawals and income to stay in lower tax brackets

• Understanding the impact of capital gains vs. ordinary income

You don’t have to navigate these rules alone—we make it simple and clear.

Personalized Tax Guidance That Fits You

At Clegg Investment Services, we tailor your plan to your unique life. Whether you’re a teacher, nurse, small business owner, tradesperson, or tech worker—your taxes matter, and we’re here to help you handle them wisely.

We don’t do tax prep, but we work closely with your tax professional—or help you find one—to ensure your financial plan and tax strategy work hand-in-hand.

Invest Smarter, Pay Less in Taxes

Tax efficiency isn’t about loopholes or complex schemes. It’s about understanding your options and planning ahead. We’ll help you make sense of it all—and put a plan in place that works for you.

Schedule your free consultation to learn how to reduce your tax burden and grow your wealth—simply and strategically.