Forefront

Most investments ask you to accept whatever the market gives you.

Structured notes are different.

They're designed to create a more defined investment outcome.

That means deciding in advance how much downside you're willing to absorb, how much upside you're willing to pursue, and understanding the tradeoffs before you invest.

For example, a structured note with a 20% buffer would absorb the first 20% of market losses.

If the market declines 15%, your principal remains protected.

If the market falls 25%, you would experience a 5% loss.

The tradeoff is that your upside is typically capped.

If the market gains 40%, but your note has a 25% return cap, your maximum return would be 25%.

Structured notes are generally designed to be held until maturity.

They also come with credit risk, limited liquidity before maturity, and tax considerations that should be understood before investing.

Like any investment, they should support a specific financial objective, not replace a thoughtful financial plan.

If you're curious about how structured notes work, we've put together a practical guide that covers:

• What structured notes are
• How downside buffers and upside caps work
• The risks you should understand
• High-level tax considerations

Read the full blog.

https://forefrontwealthpartners.com/structured-notes-explained-how-they-work-risks-benefits-and-tax-considerations/

You can potentially offset capital gains taxes from other investments by selling at a loss.

Many investors use this strategy to reduce their tax bill.

But there is a rule that can quietly undo the entire plan.

It's called the wash-sale rule.

If you sell an investment at a loss and purchase the same or a substantially identical investment within 30 days before or after the sale, the IRS can disallow the loss.

Tax-loss harvesting can be a valuable planning strategy.

Good tax planning is understanding the rules before you make a move.

We made a list of tax harvesting strategies to help guide you. Find it here,
https://forefrontwealthpartners.com/mastering-tax-planning-a-comprehensive-guide/