Wealth Management Built
Around Your Tax Strategy
Most advisors invest first and deal with taxes later. We do the opposite. Your portfolio is built through the lens of tax efficiency — so every dollar you save is positioned to grow.
"It's not what you earn — it's what you keep after taxes that builds wealth."
Structure, Planning, and Control — Not Shortcuts
We take a proactive, year-round approach that aligns your taxes, cash flow, and long-term goals. Every portfolio decision is made through the lens of tax efficiency.
Tax-Aware Asset Location
Every holding has a home. We generally place corporate bonds and income-generating ETFs inside retirement accounts, and municipal bonds and growth equity in taxable accounts — reducing the effective tax rate on your portfolio over time.
Risk-Adjusted Growth
Portfolios built across risk profiles — from aggressive growth-tilted allocations for long time horizons, to conservative capital preservation for near-retirees. Each balances growth potential with downside protection.
Year-Round Planning
Taxes do not happen once a year and neither should your planning. Quarterly strategy sessions, rebalancing at drift thresholds, and proactive tax-loss harvesting keep your plan optimized throughout the year.
Built for Every Stage of Your Financial Life
Multiple portfolio tiers designed around your time horizon and risk tolerance, each optimized for the account type it lives in.
Tax-Loss Harvesting
We monitor positions for opportunities to realize losses that can offset gains elsewhere, potentially reducing your annual tax liability.
Tax-Efficient Holdings
Municipal bonds for federally tax-free income. Equity positions generating qualified dividends taxed at preferential rates.
Annual Rebalancing
Strategic timing to minimize taxable events while maintaining target allocations across all account types.
Maximum Growth Tilt
Designed for investors with 20+ years to retirement and a high tolerance for market volatility. This portfolio maximizes equity exposure with a growth-oriented core, complemented by broad market diversification and a small stability buffer.
- High equity exposure for long-term compounding
- Tech-forward Nasdaq growth core
- Short-duration municipal bond allocation for tax-free income
- Annual rebalancing to minimize taxable events
Balanced Growth & Stability
Our recommended approach for most investors with 10-20 year time horizons. Balances meaningful equity growth with increased diversification and a larger municipal bond allocation for tax-efficient income.
- Balanced equity growth with meaningful muni income if required
- Increased diversification for reduced volatility
- Qualified dividends taxed at preferential rates
- Tax-loss harvesting during market downturns
Defensive Tilt, Higher Income
Designed for capital preservation with shorter time horizons. A larger municipal bond allocation provides meaningful tax-free income while maintaining broad equity exposure for continued growth potential.
- Lowest equity exposure for capital preservation
- Tax-free municipal bond income component
- Reduced drawdown in volatile markets
- Ideal for near-retirees and capital preservation
The allocations shown are representative model portfolios for illustrative purposes only. Actual client portfolios are customized based on individual financial situations, goals, and risk tolerance. All investing involves risk, including possible loss of principal.
From Conversation to Portfolio in Four Steps
No jargon, no confusion — just clear explanations so you can make confident decisions.
Tax Consultation Call
We learn about your tax situation, income, goals, and time horizon. This is where we confirm fit and identify immediate opportunities.
Custom Proposal
You receive a personalized strategy showing account-specific allocations, estimated growth scenarios, and how taxes are optimized across every account.
Implementation
We handle account setup, asset allocation, and rebalancing. Everything is coordinated with your broader tax plan from day one.
Ongoing Management
Quarterly planning sessions, proactive rebalancing, tax-loss harvesting, and year-round coordination between investments and tax strategy.
Tax Planning Tells You How Much You Keep.
Wealth Management Tells You How to Grow It.
Your tax strategy and your investment strategy should work together as one system. As both a CPA and CFP®, John connects both sides — from retirement accounts and Roth conversions to tax-efficient portfolio construction.
Explore The Eiduk Pathway™ →Meet Your Advisor
John Eiduk, CPA, CFP®
Most advisors handle investments in a silo — disconnected from your tax picture. I built my practice to eliminate that gap.
As both a CPA and CFP®, I do not just manage your portfolio — I build it around your tax strategy. Every holding, every account, every rebalancing decision is made with tax consequences in mind.
Combined with The Eiduk Pathway™ — 80+ tax strategies across 9 phases — your wealth plan and tax plan operate as a single, coordinated system designed to help you Pay Less. Keep More. Build Wealth.
Start the Conversation →Let's Build a Strategy
Around Your Tax Picture
If you want clarity, structure, and a proactive plan — start with a conversation.