tax efficient investing on white paper

lead tax efficient investing white paper background efficiency investment strategies planning optimization tax-advantaged investments tax-efficient portfolios management funds capital gains tax-loss harvesting dividend taxation tax-deferred accounts roth ira traditional 401k plans tax-exempt bonds index etfs tax-managed asset location strategy bracket long-term short-term qualified dividends tax-free deductions credits estate charitable contributions consequences reporting documents ratios withdrawals trading rebalancing allocation retirement wealth real trusts education savings giving risk transfer financial business structures advice