Minimize tax burden while maintaining investment discipline
Taxes are often your largest annual expense. Smart tax planning can reduce your tax burden by thousands of rupees every year—money that stays in your pocket and compounds toward your goals.
Altmera's tax optimization combines income tax planning, capital gains strategies, tax-loss harvesting, and coordinated tax-efficient investing. We identify legitimate opportunities to minimize taxes while keeping your investment strategy intact.
Comprehensive income tax strategy optimizing deductions, exemptions, and income allocation to minimize your annual tax liability.
Strategic planning for investment sales, holding periods, and timing to minimize capital gains taxes.
Systematic harvesting of investment losses to offset gains and reduce taxable income—no change to your investment strategy.
Strategic placement of investments across taxable and tax-advantaged accounts to optimize overall tax efficiency.
Last-minute strategies near year-end—charitable giving, deductions, income timing—to minimize your final tax bill.
We work seamlessly with your CPA or CA to ensure investment decisions align with your overall tax situation.
We analyze your complete tax picture—income sources, filing status, deductions, credits, and investment accounts.
We identify tax-saving opportunities specific to your situation—deductions you might be missing, timing strategies, account optimization.
We design tax strategies that reduce your tax burden while supporting your investment and financial goals.
We implement strategies—tax-loss harvesting, account positioning, timing decisions—throughout the year.
Near year-end, we review your situation and implement final strategies to minimize your tax liability.
We continuously monitor your situation for emerging opportunities and adjust strategies as circumstances change.
Donations to qualified charities can be deducted, reducing your tax burden while supporting causes you care about.
Strategic timing of income and deductions across tax years can reduce your overall tax burden.
For self-employed or business owners, we identify all available deductions to reduce taxable income.
Depreciation, cost segregation, and other real estate strategies can defer or eliminate taxes.
For families with education expenses, we maximize available education credits and deductions.
Positioning investments across taxable and tax-advantaged accounts optimizes overall tax efficiency.
Tax-inefficient investments (bonds, REITs) belong in tax-advantaged accounts. Tax-efficient investments (low-turnover equity funds) work better in taxable accounts.
We favor tax-efficient mutual funds and index funds over high-turnover active funds that generate excess capital gains.
We consider holding periods when making investment decisions—long-term capital gains rates are typically lower than short-term rates.
We systematically harvest losses to offset gains, reducing your net taxable income without changing your investment strategy.
We consider dividend tax treatment when selecting dividend-paying investments or growth-focused alternatives.
During retirement, we sequence withdrawals strategically to minimize your lifetime tax burden.