A Holistic Long-Term Approach

Tax management is more than just an element of wealth planning—it’s a central strategy for maximizing financial outcomes across generations. That’s why, at Oxford, we go well beyond simply identifying opportunities for tax savings. In addition, we explore the broader implications of tax strategies, considering how they impact not only the client’s financial situation but also family dynamics and long-term priorities.

We recognize that today’s tax strategies can have lasting effects. That’s why we focus on how these strategies will align with evolving goals over the next 10, 20 or even 30 years. By taking a holistic approach, we help clients feel confident that the decisions made today will continue to serve them well into the future, even as their circumstances and objectives change.

One of Oxford’s standout offerings in tax management is tax managed equity investing. While the specifics of our process are proprietary, the strategy’s core focus is clear: to provide clients with broad US equity exposure while maximizing opportunities for tax-loss harvesting. Over the years, we have evolved our approach to help ensure it remains highly effective and cost-efficient. The depth of our investment team and their relationships throughout the industry have provided us with extraordinary access to top-tier managers who are developing innovative approaches to such investment strategies.

Initially, Oxford embraced indexing and passive management as a low-cost way to capture exposure across US equities. This approach provided diversified market access while keeping fees minimal. As the needs of our clients grew more sophisticated, we adapted by shifting to passive separate account management, which allowed us to track major benchmarks like the S&P 500 while also creating opportunities to realize tax losses, defer taxable gains and take advantage of tax efficient charitable giving. This evolution enhanced tax efficiency without compromising investment performance.

Recently, we have refined this approach even further. By incorporating both long and short investing within equity separate accounts, we’ve been able to increase the availability of tax losses that can be harvested. This advanced strategy helps offset gains elsewhere in the portfolio, thereby reducing annual tax obligations. Such strategies are particularly powerful for clients who wish to diversify away from concentrated positions or for clients with extraordinary gains, for example, from the sale of a business. By utilizing tax-efficient management techniques, we provide clients with significant savings while also maintaining the desired market exposure.

Oxford’s differentiated tax management strategies reflect our commitment to comprehensive, client-focused planning. We understand each family’s situation is unique, and our tailored strategies ensure tax management aligns with broader financial and personal goals. By focusing on both immediate tax savings and long-term implications, we help clients achieve better outcomes that resonate across generations.