Insights, Wealth Planning
Tax-Aware Investing in a Changing Policy Landscape
by Sequoia Financial Group
by Sequoia Financial Group
For high-net-worth individuals, investing success is not singularly defined by returns. Taxes, often the single most considerable drag on long-term wealth, play an equally critical role. As tax policy continues to evolve, the difference between a reactive approach and a coordinated, tax-aware strategy can be substantial.
At Sequoia Financial Group, we believe tax-aware investing is not solely a client responsibility; it is ours, too. Through a Built For You approach, our advisors partner with tax professionals to proactively monitor policy changes, interpret their implications, and implement strategies designed to help you keep more of what you earn.
A Policy Environment That Demands Active Oversight
Recent years have introduced sustained complexity to the tax code, with changes in capital gains treatment and deduction thresholds, as well as shifting estate tax planning timelines and provisions for business owners. For high-income households, these changes rarely exist in isolation; they interact with investment structure, liquidity events, charitable planning, and multigenerational goals.1
A passive or “set-it-and-forget-it” investment strategy may inadvertently increase tax exposure, accelerate taxable income, or limit planning flexibility. Tax-aware investing requires ongoing analysis, and a team equipped to respond as policy evolves.
What Tax-Aware Investing Looks Like at Sequoia
At Sequoia, tax-aware investing is embedded into portfolio design and ongoing management. Our responsibility extends beyond awareness; it includes execution.
Key elements include:
- Asset location optimization, placing tax-inefficient investments in appropriate accounts while preserving flexibility across taxable, tax-deferred, and tax-exempt structures.2
- Capital gains management, including strategic realization and deferral opportunities aligned with your broader income picture and future liquidity needs.3
- Tax-loss harvesting, implemented opportunistically and systematically to offset gains and improve after-tax outcomes without disrupting your long-term allocation.4
- Coordination with cash flow, estate, charitable, and business planning, recognizing that investment decisions influence— and are influenced by—transfer strategies, philanthropic goals, and succession planning.5
This is not theoretical planning. It is an active, coordinated execution handled by your Sequoia team and tax professionals on your behalf.
Why High-Net-Worth Investors Need an Integrated Team
For families with complex tax returns, investment decisions often depend on multiple factors. Concentrated positions, equity compensation, private investments, pass-through income, and multistate filings all require alignment between investment strategy and tax planning.
Sequoia’s multidisciplinary model brings advisors, tax professionals, and planning specialists together under one roof. We do the heavy lifting, tracking legislative developments, testing strategies, and adjusting portfolios, so you are not left reacting after changes are already in effect.
Built For You: From Policy Change to Portfolio Action
Tax law will continue to change. What should not change is the confidence that someone is accountable for translating those changes into thoughtful, timely action.
At Sequoia Financial Group, the responsibility is ours. Our Built For You experience means that tax-aware investing is not an add-on; it is a core responsibility, continuously refined to support your long-term success.
If your investment strategy has not been reviewed through the lens of today’s and tomorrow’s tax environment, now is the time. Contact your Sequoia Financial Group team to begin a proactive, tax-aware portfolio review.
Sources
- Joint Committee on Taxation, Overview of Federal Tax Policy Changes, 2024
- Internal Revenue Service (IRS), Tax Code & Investment Income Guidance, 2025.
- Morningstar, After-Tax Returns and Portfolio Construction, 2024
- Vanguard, Principles of Tax-Efficient Investing, 2023
- Internal Revenue Service (IRS), Tax Code & Investment Income Guidance, 2025.
Investment advisory services offered by Sequoia Financial Advisors, LLC, an SEC Registered Investment Advisor. Registration as an investment advisor does not imply a certain level of skill or training.This material is for informational purposes only and is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy, or investment product. Diversification cannot assure profit or guarantee against loss. There is no guarantee that any investment will achieve its objectives, generate positive returns, or avoid losses. Sequoia Financial Advisors, LLC, makes no representations or warranties with respect to the accuracy, reliability, or utility of information obtained from third-parties. Certain assumptions may have been made by these sources in compiling such information, and changes to assumptions may have material impact on the information presented in these materials. The tax and estate planning information offered by the advisor is general in nature. It is provided for informational purposes only and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Clients requesting tax return or estate preparation services are referred to a commonly-held affiliate, Sequoia Tax Services or a third party and not Sequoia Financial Group.
2026 Off to Solid Start Despite Mixed Reception to Mag 7 Earnings