Tax Harvesting Strategies
What Is Tax Harvesting?
Tax-loss harvesting involves selling investments at a loss to offset capital gains or reduce taxable income, and
then reinvesting the proceeds into a similar—though not identical—investment to maintain your overall portfolio
strategy.
When to Do It
Tax harvesting is most effective:
• During lower-income years
• In market downturns or volatility
• After retirement, before Social Security
• Before required minimum distributions (RMDs)
• When you have realized gains to offset
Benefits
• Reduces current and future tax liability
• Improves after-tax investment returns
• Creates flexibility in retirement income planning
• Allows for more efficient portfolio management
• Helps preserve long-term wealth
Our Role
• Identify opportunities throughout the year
• Coordinate strategy with your tax situation
• Avoid costly mistakes (like wash sales)
• Integrate tax strategy into your overall financial plan
• Align investment decisions with your long-term goal
Disclosures
This summary is being provided as a service to you by Patron Partners. In preparing this report, Patron Partners has relied upon information provided
by the account custodian. You should be receiving statements at least quarterly from your custodian. If you are not receiving these statements, or you
need another copy, please call us and we will provide one to you. We encourage you to compare the information on the reports prepared by us
against the information in the statement(s) provided directly from your account custodian and to alert us of any discrepancies. Please remember to
contact Patron Partners if there are any changes in your personal/financial situation or investment objectives for the purpose of
reviewing/evaluating/revising our previous recommendations and/or services. Please also advise us if you would like to impose, add, or to modify any
reasonable restrictions to our investment advisor services. A copy of our current written disclosures statement discussing our advisory service and
fees continues to remain available for your review upon request.
Patron Partners, LLC, ("Patron") is a registered investment adviser with the United States Securities and Exchange Commission. Paton does not make
any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by Patron or any
unaffiliated third party. Patron is neither an attorney nor accountant, and no portion of the presented content should be interpreted as legal,
accounting, or tax advice. All such information is provided solely for convenience purposes only, and all users thereof should be guided accordingly.
