You worked hard for your money, but over time, taxes will drag down your portfolio’s growth. We work hard behind the scenes to minimize the impact taxes have on your investments utilizing industry-leading rebalancing software we developed.
Tax-efficient investing lightens the load

Rowling & Associates developed one of the leading portfolio rebalancing software solutions in the country, Total Rebalance Expert. It was so successful that Morningstar® purchased it in 2015. This makes us the experts in tax-efficient investing. With this cutting-edge software, the R&A team can use strategies such as :
Location Optimization
Tax-Loss Harvesting
Capital losses are good forever until you use them. They offset investment gains to lower, and sometimes eliminate, capital gains tax. We take advantage of market swings to lock in losses while keeping your money 100% invested.
Capital gain minimization
We sell high cost lots in order to limit the amount of capital gains you incur.
Capital gain distribution avoidance
This may sound counter-intuitive, but you want to avoid capital gains distributions from mutual funds. The share price goes down by the same amount that gets distributed. So all you are getting is a taxable capital gain. This can be avoided if you move to a similar mutual fund without a capital gain distribution.