Tech-Driven Wealth Management: Maximizing Your Financial Success

At Certus Wealth Management (CWM), we are always looking for ways to continually improve your experience as a client. Part of that is leveraging technology to add value and streamline our operations.

Proactive Tax Management

We take pride in our proactive approach to managing tax implications for our clients. Our tech solutions help us refine this process, making it more efficient and effective.

If you recall from our conversations, taxes for substantial investment portfolios tend to be irregular due to market volatility. While markets generally trend upward, periodic downturns occur. These fluctuations often lead to significant tax events, particularly when portfolios are repositioned during market pullbacks.

To address these challenges, we employ a tax-smart investing strategy supported by advanced technology. This approach allows us to:

1. Implement Tax Loss Harvesting: We identify opportunities to realize "tax losses" which can offset gains or up to $3,000 of ordinary income per year, potentially reducing your tax liability.
2. Facilitate Tax-Smart Transitions: When updating your portfolio, in addition to offsetting gains we also minimize taxes by tactically choosing the most advantageous lots to sell. 
3. Provide Ongoing Tax Management: Our system continuously looks for tax-saving opportunities, aiming to increase your after-tax returns over time.
4. Enable Tax-Efficient Withdrawals: When it's time to draw on your investments, we determine how to meet your income needs in the most tax-efficient way possible.

Importantly, while implementing these tax-saving strategies, we maintain your target allocations, ensuring your portfolio remains aligned with your investment goals and risk tolerance.

This approach can be particularly beneficial if you're in a high tax bracket, own appreciated assets, have taxable investment accounts, or want to invest cash tax-efficiently.

By leveraging technology for tax-smart investing, we aim to help you keep more of what you earn, potentially improving your long-term investment outcomes.

Orion: Your Financial Dashboard

Have you ever wanted to see all your investments in a single place? That's exactly what Orion offers. This powerful tool allows you to:

• Log in and view your entire household's CWM accounts in one place
• Add accounts held at other financial institutions, like your 401(k)
• See a comprehensive, visually appealing overview of your financial picture
• Access user-friendly data visualization with graphs, charts, and figures

By linking your external accounts, you can get a holistic view of your finances. This comprehensive picture can be incredibly helpful for making informed financial decisions.

Our Current Tech Toolkit

Beyond Orion, we use several other tech solutions to enhance our service:

• Secure file sharing when necessary
• Appointment scheduling through the click of a link
• Virtual face-to-face meetings, regardless of your location
• Leveraging generative AI regarding portfolio analytics
• Proactive tax loss harvesting
• Timely, informative communication

Looking to the Future

We're always exploring new technology solutions to further enhance your experience and our operational efficiency.

The Benefits for You

Our investment in technology translates directly to better service for you. It means:

• More efficient processes
• Easier access to your financial information
• Enhanced tools for financial planning and portfolio management 
• More data for informed decision making 

Next Steps

If you haven't already, I encourage you to register for Orion. It's a game-changer for viewing and understanding your overall financial picture. Here’s how:

1. Send an email to info@certuswealthmanagement.com to request your login credentials.
2. You will receive an email from Orion to establish your access through a secure link. Be sure to complete the process within 24 hours. You can then access Orion through a web browser or by downloading the “Certus WM” app.
3. The app provides convenient access to your portfolio information, dating back to when we began working together.
4. For added convenience, you can enable biometric access in the app settings (Face ID for Apple devices or Face Recognition for Android).

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At CWM, we're committed to leveraging technology to serve you better. We value your feedback and are always open to your questions or suggestions about our tech initiatives.

This content is provided for educational purposes only, represents only a summary of topics discussed, does not constitute any personalized investment advice or recommendation, and represents only the views and opinions of the speakers which are subject to change without notice. Investing involves risk including the potential loss of all amounts invested.

This material prepared by Certus Wealth Management, LLC (“Certus Wealth”) is for informational purposes only. It 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. Opinions expressed by Certus Wealth are based on economic or market conditions at the time this material was written. Economies and markets fluctuate. Actual economic or market events may turn out differently than anticipated. Facts presented have been obtained from sources believed to be reliable. Certus Wealth, however, cannot guarantee the accuracy or completeness of such information, and certain information presented here may have been condensed or summarized from its original source. Certus Wealth does not provide tax or legal advice, and nothing contained in these materials should be taken as tax or legal advice.