Eric Felsenfeld Ameriprise: 2026 Tax-Efficient Planning Strategies

Planning for taxes in 2026 requires focus, clarity, and timely action. Many investors want steady growth but also want to reduce tax pressure. Working with a structured plan helps avoid rushed choices. Eric Felsenfeld Ameriprise focuses on practical guidance that supports long-term goals while staying aligned with current tax rules. A strong strategy does not rely on shortcuts. It relies on smart timing, correct account use, and steady review.

Understanding the 2026 tax landscape

Tax brackets, standard deductions, and retirement limits often adjust over time. Even small changes can affect take-home income. Before making moves, review expected income and filing status. This step sets the base for every other decision. Clear projections help you avoid overpaying and help you plan with confidence.

Core tax-efficient actions to consider

A solid plan often includes a few proven actions. These steps support both growth and control.

• Maximize retirement account limits when cash flow allows

• Use Roth accounts to build future tax-free income

• Track capital gains and losses during the year

• Review withholding to avoid large balances due

Each action works best when applied with purpose rather than habit.

Smart account and asset placement

Taxes depend not only on returns but also on where assets sit. Place higher growth assets inside tax-deferred or tax-free accounts when possible. Keep tax-efficient funds in taxable accounts. This balance reduces yearly tax impact and keeps flexibility. In the middle of a full review, many clients look to Eric Felsenfeld Ameriprise for guidance on aligning account types with personal goals and risk comfort.

Charitable and family-focused planning

Giving strategies can reduce taxes while supporting causes you value. Donor-advised funds allow you to give now and decide later. Qualified charitable distributions may help retirees lower their taxable income. Family gifting also plays a role. Annual gifts remove future growth from your estate and help loved ones today. These steps require care and clear records.

Preparing for retirement income

Retirement income planning shapes tax results. Mix income sources to control brackets. Combine Social Security, portfolio withdrawals, and retirement accounts with intent. Avoid drawing from one source without review. A balanced approach supports stable income and smoother tax outcomes across years.

Review and adjust each year

Tax planning works best as a living process. Review results each year and adjust based on life changes. Marriage, career shifts, or property sales affect strategy. Regular reviews prevent small issues from growing. Written plans support discipline and clarity.

Conclusion and next steps

A 2026 tax-efficient plan needs structure and honest review. Gather financial records, define goals, and seek advice that fits your situation. Eric Felsenfeld Ameriprise reflects an approach built on planning, review, and steady action rather than guesswork. With clear steps and yearly checks, you can protect income, support growth, and move forward with confidence. This disciplined approach builds control, reduces stress, and helps families make informed financial choices with greater certainty overall.