Tom Wheelwright: How To Structure An Investment Portfolio For Maximum Tax Efficiency

June 12, 2025 (Investorideas.com Newswire) CPA Tom Wheelwright is one of the most trusted voices in strategic tax planning. As the personal tax advisor to Robert Kiyosaki and a Rich Dad Advisor, Tom is known for teaching investors how to legally reduce their tax bills while accelerating their path to financial freedom. Tom's companies‒WealthAbility, TFW Advisors, PLA Software, and Wheelwright Manahan Family Office‒have helped investors and entrepreneurs build wealth outside traditional systems.

At the core of Tom's philosophy is a simple but often overlooked truth: the tax code is not a punishment; it's a roadmap. If you understand what the government wants you to do‒create jobs, provide housing, invest in energy‒you can align your investments accordingly and receive generous tax benefits in return.

Treat Taxes Like a Strategic Tool

A tax-efficient portfolio doesn't happen by chance. Tom emphasizes that every asset should be placed with intention, not just for growth potential, but for tax strategy.

Structuring your investments to reduce taxable income, delay liabilities, or generate tax-free returns is the difference between working for your money and having your money work for you.

For example, many investors treat all income the same. However, Tom teaches that portfolio, active, and passive income are each taxed very differently.

Knowing where to hold each asset is crucial. For example, rental real estate can produce steady cash flow in many cases. But it also delivers large depreciation deductions that often wipe out taxable income. Holding these assets in the right structure‒like an LLC‒can protect your gains and simplify expense tracking.

Use Asset Location to Maximize Efficiency

Tom is also a strong advocate of using tax-deferred accounts wisely. High-yield investments that generate ordinary income should often be placed in retirement accounts like IRAs or 401(k)s to avoid yearly taxation.

Meanwhile, assets with capital appreciation potential may be better suited to taxable accounts if held long-term, where lower tax rates apply. When used strategically, Roth accounts allow for long-term tax-free growth and can play a decisive role in legacy planning.

Don't Just Build a Portfolio: Build a Team

But building a tax-efficient portfolio isn't just about the assets. It's about the team.

Tom regularly reminds investors that the wealthiest individuals don't try to do this alone. They work with proactive tax professionals, financial strategists, and legal experts to anticipate challenges before they arise.

Tom's company, WealthAbility, was built on this principle‒equipping clients with the systems, advisors, and strategies to operate like a business, not a paycheck earner.

Think Long-Term and Stay Proactive

Every decision in your portfolio has a tax consequence, and Tom believes that awareness is the first step toward financial independence. The goal is to structure your wealth to support long-term growth while minimizing the drag of taxes. It's not about working harder or chasing higher returns. It's about using the tools that already exist to your advantage.

Tom Wheelwright has built his career by showing investors how to keep more of their earnings and reinvest them smartly. His approach is practical, legal, and proven. For those willing to look beyond conventional investing and rethink how their money is structured, the payoff isn't just better returns‒it's greater control, flexibility, and long-term freedom.

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