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      <image:title>Blog - Why Tax Allocation Matters - Someone with a Taxable-Heavy Portfolio They have max flexibility. They can use the money whenever, sell without penalties, give to charity in tax-smart ways, and time gains or losses. But if they never use retirement accounts, they’re likely paying more in taxes than they need to. They’re missing out on tax-deferred or tax-free growth.</image:title>
      <image:caption>Taxable-Heavy Portfolio</image:caption>
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      <image:caption>(The green and red colors don’t help)</image:caption>
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      <image:title>Blog - Why Your Savings Rate Matters So Much - Make it stand out</image:title>
      <image:caption>His name is Jeff! This hypothetical example is for illustrative purposes only and does not represent actual client results. It does not account for taxes, fees, or inflation. Investment returns are not guaranteed, and actual results will vary based on market conditions and individual circumstances. This content is for informational purposes only and should not be construed as individualized investment advice.</image:caption>
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