Asset Location Optimization
Maximize After-Tax Returns Through Strategic Investment Placement
At Citrus Advisory, we believe that where you hold your investments is just as important as what you invest in. Asset location optimization is the strategic process of placing investments in the most tax-efficient accounts, including taxable, tax-deferred, and tax-free, to help you keep more of what you earn.
This isn’t just portfolio management. It’s precision planning, powered by our integrated team of financial advisors, CPAs, tax planners, and insurance professionals working together to align every investment with your long-term goals and tax strategy.
Why Asset Location Matters
Different types of investments generate different kinds of income—interest, dividends, capital gains—and each is taxed differently depending on the account type. By placing assets in the right accounts, we can:
Reduce your overall tax burden
Improve portfolio efficiency
Enhance long-term growth
Preserve wealth across generations
Account Types We Optimize
Taxable Accounts
Ideal for tax-efficient investments like municipal bonds, index funds, and ETFs. We use strategies like tax-loss harvesting and capital gains management to minimize your tax exposure.
Tax-Deferred Accounts (e.g., IRAs, 401(k)s)
Best suited for income-generating assets like bonds and REITs. These accounts allow growth without immediate taxation, deferring taxes until withdrawal.
Tax-Free Accounts (e.g., Roth IRAs, HSAs)
Perfect for high-growth investments. Gains and qualified withdrawals are tax-free, making these accounts powerful tools for legacy planning and retirement.
What Makes Our Advisory Services Different?
Cross-Functional Collaboration
Your CPA, financial planner, insurance strategist, and business consultant work as one team—sharing insights, aligning strategies, and delivering a 360° view of your financial world.
Customized, Not Cookie-Cutter
Every plan is tailored to your unique goals, risk profile, and life stage—no templates, no shortcuts.
Proactive, Not Reactive
We don’t wait for tax season or market shifts to act. We anticipate challenges and opportunities, helping you stay ahead of change and in control of your future.
At Citrus Group, we harness the power of artificial intelligence and advanced analytics to elevate every aspect of your financial strategy. Our AI-enhanced advisory platform doesn’t just crunch numbers—it uncovers patterns, predicts outcomes, and empowers you to make smarter, faster, and more confident decisions. Here’s how we integrate AI into your financial journey:
1- Real-Time Financial Intelligence
Our AI tools continuously analyze your financial data—cash flow, expenses, investments, and tax exposure—to identify trends, anomalies, and opportunities in real time. This allows us to:
Detect inefficiencies before they become costly
Optimize tax positions dynamically throughout the year
Provide instant scenario modeling for major decisions
2- Predictive Planning & Forecasting
We use machine learning models to simulate future financial outcomes based on your current trajectory and market conditions. This helps you:
Forecast cash flow and capital needs
Model retirement and estate scenarios
Stress-test your business under different economic conditions
Integrated Planning for Smarter Decisions
Our team doesn’t work in silos. Your financial advisor collaborates with your CPA and tax planner to ensure every asset is placed with purpose. We consider:
Your current and future tax brackets
Retirement income needs
Estate planning goals
Risk tolerance and liquidity preferences
Charitable giving strategies
This integrated approach ensures your portfolio is not only diversified—but also tax-optimized and aligned with your life plan.
Real Results, Real Impact
Clients who implement asset location strategies often see:
Higher after-tax returns
Lower annual tax bills
More flexibility in retirement
Greater control over legacy planning
Let’s Optimize Your Portfolio—Together
At Citrus Advisory, we don’t just manage assets—we strategically position them to work harder for you. With our integrated team guiding every decision, you’ll gain clarity, confidence, and control over your financial future.
📞 Schedule a Consultation Today
Contact Us
Ready to protect your business with expert risk management? Contact Citrus Group Global today.
Phone: (888) 530-1930
Address: 16500 San Pedro Ave Ste 295, San Antonio, TX 78232
Citrus Group Global – Where Your Success is Our Strategy.
Get In Touch With Citrus Group
See how we can help your business thrive
Our unique approach, combined with the experience and expertise of our professional team, enables us to offer innovative solutions for our clients.
US Corporate
Address – 16500 San Pedro Ave Suite 295 San Antonio, TX 78232
Office – (888) 530-1930
Citrus Audit Group
Address – Cheyenne, 1063 Capitol Avenue Suite 413, Cheyenne, WY 82001
Tel – (888) 530-1930
Citrus Insurance Group
Address – 16500 San Pedro Ave Suite 295 San Antonio, TX 78232
Tel – (888) 530-1930
Citrus Advisory
Address – 16500 San Pedro Ave Suite 295 San Antonio, TX 78232
Tel – (888) 530-1930
Citrus Group Global provides integrated professional services worldwide.
Unauthorized use or reproduction of content is prohibited.
Connected with us:
Copyright @Citrus Group Global 2025. All Rights Reserved.
