Quantifying the Impact of Tax Planning

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UPDATED: March 2026

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Advisors can add reliable value to investors through the strategic selection of investment accounts and financial products that provide tax-advantaged growth. This presentation provides a framework for estimating the benefit of sheltering through a net return methodology. Net returns provide insight into the quantitive benefit of strategic sheltering and allow advisors to gain intuition about when to use various account types for clients to maximize value. Taxable assets with deferred growth, or basis assets, such as stocks and insurance products provide unique value that changes with time horizon and product type. This framework can also be used to understand optimal ordering of asset sales to fund spending in retirement, which can increase retirement spending by as much as 20%.

​Learning Objectives

Upon successful completion of this course, you will confidently be able to:​

• Understand how account types impact net, after-tax return.
• Recognize how to locate investments within accounts effectively to optimize net return.
• Understand how basis asset and insurance products impact net return.

Presenter

Michael Finke, PhD, CFP^®

CFP^® CE Credit

This content is eligible for one hour of CFP^® continuing education (CE) credit.

If you hold the CFP^® mark and would like to receive CFP Board CE credit for this content, please ensure your CFP^® ID number is entered here.

The College’s Professional Recertification Program (PRP)

This content is eligible for one hour of PRP continuing education credit.

To begin, click on the button below. As you move through the content, make sure to mark each page complete by clicking on the appropriate button, and then click Next Lesson at the bottom of each page. Once you complete the entire activity, the progress bar will show 100%.

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