Account Types

Whether you have a retirement account, a personal investment
account or a trust account; we can help manage the assets.
Since each account type has its own unique tax advantages
and disadvantages; the appropriate placement of investments
into those accounts is just as important as your asset
allocation and your risk profile.

Personal investment Accounts

Investing outside of a retirement account will have its own set of investment goals. That’s why we take a holistic approach and take all your investment holdings into consideration when working with you.

We will help you determine the right allocation to maximize your after tax return on appreciation and income. This might include the use of tax-free or taxable bonds, or the use of individual stocks to provide growth and dividends income in your account.

Individual Retirement Accounts

For many of us, an IRA (Roth or Traditional), a 401(k) or a 403(b) may end up being one of our largest assets. We will help you choose the right investment strategy, structure, and options to meet your retirement goals.

• If you have recently retired, changed jobs or are planning to retire soon, we can help you gain greater control over your retirement savings by consolidating your retirement assets with a Rollover IRA.
• As distributions become an important part of your plan, we help you minimize taxes and avoid penalties, such as structuring penalty-free withdrawals before age 59 1/2 .

Trust Investment Management

Your trust could be in the form of a Living Trust, Testamentary Trust, or a Charitable Trust. Here we would work with you and the existing Trustee to manage the assets in accordance with the trust document. Should you want to create a trust or are unhappy with your current provider, we can introduce you to one of the many trust departments with which we work. While we do not have trust powers, we do manage assets held in a trust.

MackHouse offers either a discretionary or non-discretionary investment account.

1. Under the discretionary investment account MackHouse is granted authority by the client to make portfolio and investment decisions on his/her behalf.
2. Under the non-discretionary investment account MackHouse is not granted authority by the client to make portfolio and investment decisions on his/her behalf.

Regardless of the investment account type chosen, we want our clients to take a strong interest in the ultimate portfolio implementation. We believe it is in both the client’s and MackHouse’s best interest that the client be fully informed, fully engaged and fully educated on all investment decisions.