[Verse 1]
Sarah's got some money saved, wants to make it grow
But taxes eat her profits up, she needs to know
Asset location is the key, bonds in tax-deferred
Stocks in taxable accounts, let the gains be heard
Tax-loss harvesting helps, sell the losers first
Offset all those capital gains, quench that tax thirst
[Chorus]
Plan your wealth with strategy in mind
Tax-efficient, time-aligned, leave no dollar behind
Human capital plus financial makes your total worth
Estate planning, concentrated positions, plan from birth
Wealth management, wealth management
Make your money work for you
Wealth management, wealth management
Smart strategies will see you through
[Verse 2]
Tax regimes come in different forms, let me break it down
Interest-based on what you earn, progressive wears the crown
Flat tax treats everyone the same, wealth tax on what you own
Consumption tax on what you spend, each system sets the tone
Know your bracket, know your rate, plan accordingly
Optimize your after-tax return strategically
[Chorus]
Plan your wealth with strategy in mind
Tax-efficient, time-aligned, leave no dollar behind
Human capital plus financial makes your total worth
Estate planning, concentrated positions, plan from birth
Wealth management, wealth management
Make your money work for you
Wealth management, wealth management
Smart strategies will see you through
[Verse 3]
Estate planning starts today, don't wait until you're gone
Transfer taxes, gifting limits, trusts to pass it on
Generation-skipping strategies, bypass one degree
Cross-border complications need professional decree
Life insurance can provide liquidity when you die
Property and casualty protect what money can't buy
[Bridge]
Concentrated positions bring concentrated risk
Exchange funds and collars, prepaid forwards in the mix
Completion portfolios diversify your bet
Charitable giving strategies, tax benefits you get
Retirement needs two phases, accumulation first
Then decumulation starts, make those savings last
[Verse 4]
Human capital is your ability to earn
Young professionals have more, as you age it turns
Total wealth equation: human plus financial
Balance risk accordingly, make decisions rational
Robo-advisors use technology to guide
Lower fees and algorithms working by your side
[Chorus]
Plan your wealth with strategy in mind
Tax-efficient, time-aligned, leave no dollar behind
Human capital plus financial makes your total worth
Estate planning, concentrated positions, plan from birth
Wealth management, wealth management
Make your money work for you
Wealth management, wealth management
Smart strategies will see you through
[Outro]
From accumulation to decumulation phase
Sustainable withdrawal rates will guide your days
Four percent rule as a start, adjust for inflation
Wealth planning is a journey, not a destination