Clarus Financial Inc. is an Integrated Wealth Management firm with offices in East Brunswick and Princeton, New Jersey. Integrated Wealth Management encompasses Financial Planning, Risk Management, Tax Planning, Estate Planning, and Life Transition Planning.
Every financial decision has a potential impact on more than one aspect of your financial life. What sets us apart from traditional Wealth Management firms is that we go beyond just managing your investment portfolio. The oversight we provide helps ensure that all financial possibilities are considered before decisions are made.
For example, selling a stock or mutual fund in your brokerage account may have a tax impact. At Clarus Financial, your Wealth Manager and your CPA are under the same roof, sharing information and collaborating on your behalf. Before making the decision to sell:
• We determine whether you have any capital loss carryforwards that can be used to offset your gain.
• We review the holding period of the position to minimize the tax implications of a sale.
• We review your tax projections for this year and next to determine when it would be optimal to incur a gain.
• When appropriate, we assess Estate Planning considerations including Estate Taxes vs. Capital Gains Taxes and timing.
Our Process always begins with a thorough understanding of your unique circumstances. From there, we build a comprehensive plan that includes several options and recommendations. We believe that the greatest value we can provide is giving our clients the ability to make informed choices.