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TAX PLANNING

A STEP AHEAD

PREPARE NOW FOR APRIL 18TH 
 

Meet your liquidity need this tax season and keep your assets invested for the long term

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Meet your liquidity needs this tax season

Selling investments to meet immediate expenses such as a tax obligation may impact your long-term goals. A line of credit may help you to be ready during tax season and to meet other needs – including the unexpected – giving you access to funds when you need them.

With today’s competitive interest rates, a credit line can be a key part of a well-designed financial plan. And while it’s a frequently used liquidity strategy for tax purposes, there’s a wide range of other uses as well.  A line of credit can help you:

  • Move quickly to buy an ideal property
  • Create a liquidity bridge related to the sale of a business
  • Start, acquire or expand a business
  • Purchase a first home for a child or grandchild

Long-term view
The unplanned selling of assets may disrupt your long-term investment strategy. In addition, you may be invested in illiquid assets that may take time to sell. Establishing a line of credit against your portfolio may help provide the financing you need while keeping your investment strategy on track.1 You also may avoid potential capital gains taxes as a result of selling assets.2

Low cost
You can put a credit line in place at no cost to you. There are no fees to maintain it, you can draw down funds as needed and you pay interest only on what you use.

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At J.P. Morgan Securities, we believe it is important to periodically review your loans as well as your investments to ensure your borrowing strategies are aligned with your goals, the current rate environment and changing market conditions.

We can help evaluate your liquidity needs over the near-term and long-term to determine the right credit strategy for your overall wealth picture.

1 Assets used as collateral for a securities based line of credit are subject to liquidation to meet margin calls. In certain cases, additional fees and/or disclosure may be required. Clients are responsible for break funding costs in select scenarios, where applicable.
2 J.P. Morgan does not provide tax advice. Your lawyer or accountant can advise you on the appropriateness of a specific strategy in light of your own unique circumstances.

10 tax planning strategies

As we do not provide tax, legal or accounting advice, we recommend you consult qualified tax, legal and accounting advisors before engaging in any financial transaction.

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Tax Rates

Rate schedules for for 2016 and 2017.

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Retirement Planning

Contribution rules for 2016 and 2017.

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Harvest losses to offset gains

Now may be a good time to consider tax loss harvesting to reduce your 2016 tax bill. This strategy involves realizing losses to offset income generated throughout the year.

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Stealth tax increases

Personal exemption phaseout and Pease limitation.

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