Unified
Household Management
(UHM)
01 “Asset Location” Planning
Asset Location, NOT Allocation, provides Maximum After Tax Incomes
02 Asset Mapping Services
Proper Estate Planning starts with a proper Asset Map
03 Tax Planning Services
Tax Planning should be year round, NOT just April 15th.
Multi-Year Capital Gains Planning
Tax Loss Harvesting Accounts
Charitable Giving Strategies
Business Deduction Maximization
Maximization Tax Loss Harvesting Accounts
Roth Conversion Plans
EXAMPLE Scenario: 2025 Projection Initial Plan
|
Total Income |
$382,469 |
Filing Status |
Married Filing Jointly |
Qualified/Ordinary Dividends |
S42 / $121 |
|
Adjusted Gross Income |
$382,469 |
Marginal Bracket |
22% |
ST/LT Capital Gains |
$117 / ($109,829) |
|
Deductions |
$237,397 |
Average Rate |
5.7% |
Carryforward Loss |
$106,712 |
|
Taxable Income |
$144,889 |
2025 Safe Harbor |
$19,621 |
Total/Taxable Social Security |
$67,156 / $57,083 |
|
Total Tax |
$21,801 |
|
|
Credits Claimed |
SO |
04Â “Private Trust” Custodians
Safe and Secure
Custodians such as Fidelity and Schwab can Co-Mingle your money with other investors, similar to the way Banks will Co-mingle you hard earned savings for risky loans or investing.
At EFG, we utilize a "Private Trust Custodian" that never Co-mingles your investments. Safety is our focus for your investments and savings.
EFG Financial
1500 East Beltline Ave SE, Suite 205,Â
 Grand Rapids, MI 49506
Contact
Get In Touch
(800) 694-3175
info@eminencefinancial.com