Structure Matters for Tax Efficiency: From Mutual Funds, ETFs, SMAs to Tax-Aware Long-Short

Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®

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Most don't realize how important structure and strategy impacts an investment's tax efficiency.

Tyler Emrick, CFA®, CFP®, breaks down how investment vehicles — from mutual funds to ETFs, Direct Indexing, and Tax-Aware Long/Short (TALS™) strategies — impact your after-tax returns.

Learn why mutual funds can surprise you with taxable distributions, how ETFs use in-kind redemptions to avoid them, what SMAs are and how they may help, and how modern innovations like long-short overlays unlock new levels of tax efficiency.

Here’s some of what we discuss in this episode:

💼 Investment structure matters – How mutual funds, ETFs, and more advanced vehicles impact your tax bill.

📈 ETFs = efficiency – Learn how they avoid unwanted capital gains distributions.

🔄 Tax loss harvesting – The strategy behind realizing losses for long-term tax benefits.

🧮 Direct indexing – Owning individual stocks for customized control and better tax outcomes.

⚙️ Tax-aware long-short investing – The next evolution in creating ongoing, flexible tax advantages.

Have questions?

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