CTC work closely with its clients using a tax efficient approach that applies to all aspects of the investment process. Developing a long-term strategic asset allocation is the first step in the investment process. CTC develops an optimal combination of investment assets that is appropriate for each client’s risk tolerance and return goals. The goal is to maximize the after-tax investment return given a level or risk acceptable to each client.

CTC does not use one-size-fits-all model portfolios; rather CTC conducts unique asset allocation studies and then reviews them with each client. CTC’s tax-efficient philosophy also extends to manager selection and positioning. CTC examines each client’s individual tax situation including tax deferral needs, avoidance of short-term capital gains and the offsetting of short-term gains when constructing a portfolio of managers.