Strategies with Long-Term Perspectives
Paying taxes is inevitable. Overpaying is optional. At Equilibrium Wealth Advisors (EWA), we know great investing is not just what you own. It is where you own it, when you realize gains, and how you harvest losses. It’s based on a long-term perspective. For $10 million to $100 million+ families, tax efficiency is often the difference between good results and great results. We prefer great. With offices based in Pittsburgh, we serve clients locally and across the U.S. Contact us at (412) 991-1385 or request an appointment now.
Tax-Efficient Portfolio Service & Wealth Building
At EWA, we look for the most tax-efficient ways to invest your money. Whether you’re a business owner, corporate leader, a physician, or a retiree, we’ve found it works to build from simple to sophisticated.
01
Asset Location Comes First
When possible, we place bonds and interest-producing assets in tax-deferred accounts. We tilt taxable accounts toward broad market equity and exchange-traded funds to benefit from qualified dividends and long-term capital gains. Roth space is reserved for the highest growth ideas because future withdrawals are tax-free.
02
Direct Indexing Is a Core Tool
Instead of owning a single fund, you own the underlying names in a customized index. This allows us to utilize our tax loss harvesting services throughout the year without changing your market exposure. Those harvested losses offset realized gains up to a set amount of ordinary income. We are careful with wash sale rules, and we watch tracking error so you stay invested in the market you intended to own.
03
We Coordinate Charitable Giving With Appreciated Securities
You get a deduction at fair market value and avoid the embedded capital gains. We fund donor-advised funds in strong years to bunch deductions and smooth giving.
04
Income & Gain Timing Are Planned
We realize gains when brackets are favorable, such as in lower income windows. For example, after a business transition and before required distributions, we‘ll harvest gains intentionally or convert to a Roth to reduce lifetime tax.
05
Fixed Income Is Purpose-Built
For high earners in high-tax states, we use high-quality municipal bonds with the right maturity mix. We also maintain a clear spending sleeve and take advantage of cash and short-duration fixed income, so you do not sell equities in a down market to fund lifestyle or tuition. If needed, we backstop with a properly sized line of credit against a diversified portfolio and pay it back on our terms.
06
We Manage International Exposure With Attention to Foreign Tax Credits & Withholding
We do not chase complexity for its own sake. We pursue simplicity that compounds and has fewer moves and a bigger impact. Best of all, it’s a repeatable system your family can follow for decades.
Remember, our tax team and investment advisors sit side by side, ensuring every trade, harvest, and withdrawal serves your bigger picture.
Is Our Wealth Management Approach the Right Fit for You?
- We serve high-net-worth individuals and families with $1 million or more in investable assets.
- We have particular expertise supporting households in the $10–$100 million range who face complex financial structures, liquidity events, and multi-generational dynamics.
- We do not offer standalone tax preparation or insurance services. Our advisory fee fully integrates all of our services:
Tax-Efficient Investing In Pre- and Post-Retirement
EWA saves you time, boosts your confidence, and balances your spending now with your savings for the future. Your portfolio compounds efficiently for generations, not just quarters. With offices based in Pittsburgh, we serve clients locally and across the U.S. Request an appointment now.