Pay Less. Keep More. Build Wealth.
Systematic Tax Optimization For Business Owners
Wealth management built around your tax strategy
Most advisors invest first and deal with taxes later. We start with your tax picture, then build portfolios designed to help reduce unnecessary tax drag in your returns
WHY TAX-FIRST INVESTING MATTERS
20+
YEARS OF EXPERIENCE
80+
TAX STRATEGIES
CPA + CFP®
DUAL CREDENTIALS
6+
ACCOUNT TYPES COORDINATED
"It's not what you earn, it's what you keep after
taxes that builds wealth."
our philosophy
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. The goal is to reduce the effective tax rate on your portfolio over time.
Risk-Adjusted Growth
We build portfolios across risk profiles - from aggressive growth-tilted allocations for long time horizons, to conservative capital preservation for near-retirees. Each is designed to balance growth potential with downside protection.
Year-Round Planning
Taxes don't 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.
Portfolio Strategies
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.
The allocations shown below 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.
TAXABLE ACCOUNT FEATURES
Tax-Loss Harvesting
We monitor positions for opportunities to realize losses that can offset gains elsewhere in your portfolio, 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.
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
Tax-free municipal bond income component
Reduced drawdown in volatile markets
Ideal for near-retirees and capital preservation
HOW IT WORKS
From conversation to portfolio in four steps
We keep the process straightforward. 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 exactly 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 your investments and tax strategy.
READY TO GET STARTED?
Let's build a strategy around
your tax picture
If you want clarity, structure, and a proactive plan - start with a conversation.
Eiduk Tax & Wealth
John Eiduk, CPA, CFP® • Over 20 Years of Experience
Pay Less. Keep More. Build Wealth.
Systematic Tax Optimization For Business Owners
Eiduk Tax & Wealth is a registered investment adviser. Registration does not imply a certain level of skill or training. The information presented on this page is for informational purposes only and does not constitute investment advice, a solicitation, or a recommendation to buy or sell any security. All investing involves risk, including possible loss of principal. Past performance does not guarantee future results. The portfolio allocations shown represent model strategies and may not be suitable for all investors. Individual results will vary based on each client's unique financial situation, objectives, and risk tolerance. Please consult with a qualified advisor to determine whether a particular strategy is appropriate for your circumstances. A copy of our Form ADV Part 2A brochure is available upon request.
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