Tax Efficient Asset Allocation, With David Graham

For many investors, accumulating assets is relatively easy and straightforward. What can be a lot harder is the process of de-accumulation.

David Graham joins Michael to discuss the tax arbitrage opportunities available to investors who strategically place asset classes, use ETFs instead of mutual funds, and harvest capital gains at opportune times.

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Episode Highlights

  • Overview of the three types of accounts that most investors hold.
  • Rules of thumb for which assets to place where in order to generate “tax alpha.”
  • How to strategically plan your tax window to maximize efficiency of withdrawals.
  • The importance of developing tax diversification during the accumulation phase in order to set yourself up for a successful de-accumulation.

Episode Resources

Today’s Guest: David Graham, FiPhysician

About The Tax Efficient Investor Podcast

On the Tax Efficient Investor podcast, we show you how to protect, grow, and transfer your wealth by implementing tax-advantaged investment strategies. Host Michael Johnston demystifies tax strategies that are favored by the most successful and sophisticated investors, including 1031 exchanges, IRA & 401k plans, HSA accounts, trusts, real estate, and more.

Michael Johnston, CFA
Michael Johnston, CFA

Michael Johnston, CFA is the co-founder and President at WealthChannel, and host of WealthChannel Academy.

Michael previously founded ETF Database, the leading independent authority on exchange-traded fund investing.

Michael's professional experience includes positions in corporate finance and investment banking, as well as entrepreneurial experience as a co-founder and early employee in multiple high growth, venture-backed companies.

Michael graduated from the University of Notre Dame with a degree in Finance. He lives in Oregon with his wife and son.