Retirement Planning
Imagine achieving financial security and independence through effective retirement planning, all without sacrificing your quality of life or standard of living. With our guidance, you can turn this vision into reality.
In addition to finding optimal ways to save for retirement, we incorporate dynamic withdrawal strategies to reduce taxes and maximize your retirement income. This means you get to keep more of your hard-earned savings, ensuring a more secure and comfortable retirement
Tax Planning
For many people, taxes are among the largest expenses they will pay over their lifetimes, and many end up overpaying due to a lack of knowledge about tax optimizations.
At Caprock Wealth Management, we prioritize minimizing your lifetime tax liability. From annual tax return analysis to investment asset allocation strategies, we continuously evaluate and identify tax reduction opportunities for your portfolio and income, adapting as your situation evolves.
By leveraging various strategies tailored to your specific needs, we curate tax-efficient investments, identify the right tax-advantaged accounts, and outline charitable gifting strategies and other tactics to minimize your lifetime taxation. This ensures more of your hard-earned money stays with you.
We also collaborate closely with your accountant to ensure they are fully informed about your situation and the planning strategies we implement to minimize your tax liabilities
Investment Management
At Caprock Wealth Management, we believe that your investment strategy should be as unique as you are. We build and implement personalized, tax-efficient investment portfolios that align with your goals, time horizon, and risk tolerance.
Our strategic asset allocation minimizes lifetime taxation while achieving broad diversification with exchange-traded funds and other low-cost investment options. As an independent, fee-only firm, we have access to the entire universe of investment options, helping to minimize underlying costs and maximize your return potential.
While we adhere to a long-term investing philosophy, our portfolios are dynamic. Beyond crafting a tailored, values-based, and risk-appropriate strategy, we fully implement and manage your investments. This includes daily monitoring, full performance reporting, dynamic rebalancing, managing contributions and distributions, strategic tax-loss harvesting, and adjusting your portfolio as your life evolves.
At Caprock Wealth Management, our primary custodian is Charles Schwab. Through Schwab Alliance and our portfolio management tool, you’ll always have full access and visibility to your portfolio and performance. If you have any questions, we’re here to help break it all down for you, ensuring your portfolio is in good hands and working for you.
