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Eiduk Tax & WealthPay Less. Keep More. Build Wealth.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."
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.
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.
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.
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.
S-Corp business owners, high-earning W-2 professionals, and rental property owners (long or short term) — advanced tax strategies, a professional portfolio review, and your return prepared by a CPA and CFP® professional, in one integrated plan. See the W-2 strategy page or the rental owners page.
Multiple portfolio tiers designed around your time horizon and risk tolerance, each optimized for the account type it lives in.
We monitor positions for opportunities to realize losses that can offset gains elsewhere, potentially reducing your annual tax liability.
Municipal bonds for federally tax-free income. Equity positions generating qualified dividends taxed at preferential rates.
Strategic timing to minimize taxable events while maintaining target allocations across all account types.
Designed for investors with 20+ years to retirement and a high tolerance for market volatility. A growth-oriented Nasdaq and total-market core, with a small stability buffer.
Our recommended approach for most investors with 10-20 year time horizons. Balances meaningful equity growth with a broader total-market core and a larger municipal bond allocation for tax-efficient income.
For shorter time horizons and investors who want growth with a smoother ride. The lowest equity share of the three, with municipal bonds, short-term Treasuries and income funds alongside broad equity exposure.
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.
No jargon, no confusion — just clear explanations so you can make confident decisions.
We learn about your tax situation, income, goals, and time horizon. This is where we confirm fit and identify immediate opportunities.
You receive a personalized strategy showing account-specific allocations, estimated growth scenarios, and how taxes are optimized across every account.
We handle account setup, asset allocation, and rebalancing. Everything is coordinated with your broader tax plan from day one.
Quarterly planning sessions, proactive rebalancing, tax-loss harvesting, and year-round coordination between investments and tax strategy.
Three integrated systems work together as one plan: The Eiduk Pathway™ reduces your tax bill, The Eiduk Cash Allocation System™ keeps the savings disciplined, and The Eiduk Wealth System™ — what you're reading about now — compounds them into permanent wealth.
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.
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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.
Book a Call →If you want clarity, structure, and a proactive plan, this is where it starts. In a Tax & Wealth Plan we find the legal ways to pay less in taxes, save more money, and build your wealth. You walk away with all of it in writing.
Want to see one first? See a sample Plan · Not sure it fits? Book a Call
Investment advisory services are offered through Elite Asset Management, LLC, a registered investment adviser and a subsidiary of Eiduk Tax and Wealth Management, LLC. 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.