Grove Wealth Solutions

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Imagine one of those days when the market just keeps dropping. It can get stressful quickly. Even if you’re a seasoned i...
03/11/2026

Imagine one of those days when the market just keeps dropping.

It can get stressful quickly. Even if you’re a seasoned investor.

But here’s the bigger question:

When volatility hits, what actually guides decisions in your plan?

Is it just market performance?

Or is it a coordinated strategy that accounts for your investments, your taxes, and your future income?

This is where an Investment Policy Statement (IPS) becomes far more than a document about asset allocation.

In a tax-first framework, an IPS should define how investment decisions interact with:

- Your long-term tax strategy
- How and when income will be generated
- Withdrawal sequencing across account types
- Equity compensation decisions
- Rebalancing with tax impact in mind
- Risk tolerance in the context of after-tax outcomes

At Grove Wealth Solutions, we build an IPS for every client… but not just as an investment playbook.

It’s a coordination document.

It outlines how portfolios are managed *and* how those decisions connect to tax planning and income strategy over time. Because none of these - the markets, taxes, or your retirement income - are isolated from each other.

That way, when the stock market tests your conviction, the IPS gives us something objective to return to.

It isn’t impacted by emotions or headlines. It’s simply a framework we can follow.

→ Advisors: Do you believe an IPS should address taxes and income strategy, or just investments?

→ If you’re working with an advisor, have you seen a written framework that connects all three?

Most of us spend decades trying to save as much as possible for retirement. It’s what we’ve been told to do. What we’re ...
03/05/2026

Most of us spend decades trying to save as much as possible for retirement.

It’s what we’ve been told to do. What we’re expected to do.

But how much time do we spend thinking about how that money will be taxed or distributed later in life?

This matters far more than most people expect.

For many high earners, maxing out pre-tax retirement accounts like 401(k)s and traditional IRAs becomes the default strategy over time. It can certainly be an effective way to defer taxes while you’re in your peak earning years.

But as you move from saving to spending, those same accounts can influence your tax picture in new ways.

For example, large pre-tax balances often mean larger required distributions in retirement, and those distributions are generally taxable as ordinary income. This can influence both your cash flow in retirement and how much of your income is exposed to ordinary income taxes.

Plus, retirement income rarely comes from a single source. Over time, households tend to draw from a mix of taxable accounts, tax-deferred accounts, and sometimes tax-free sources. How those pieces are sequenced can influence your cash flow, tax exposure, and overall flexibility from year to year.

This isn’t about labeling any one account type as “right” or “wrong.” It’s about recognizing that saving and spending are two different planning phases, with different tradeoffs to consider.

That’s why it helps to treat tax planning as an ongoing process, not something you set once and forget.

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All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. Past performance is not a guarantee of future results. Distributions from traditional IRAs and employer-sponsored retirement plans are taxed as ordinary income and, if taken prior to reaching age 59 ½, may be subject to an additional 10% IRS tax penalty. Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice. Tax Free - Income may be subject to local, state and/or the alternative minimum tax. Tax Deferral - 10% IRS penalty may apply to withdrawals prior to age 59 ½.

Two retired couples. Same $90K income.One pays $8,000 in taxes. The other pays $0.What’s the difference?Not luck.Not loo...
03/04/2026

Two retired couples. Same $90K income.

One pays $8,000 in taxes. The other pays $0.

What’s the difference?

Not luck.
Not loopholes.
Not massive wealth.

Strategy.

If you’re married, filing jointly, over 65, and living on a mix of:

• Social Security
• Dividends
• Capital gains
• Interest

You could be unintentionally giving thousands back to the IRS every year.

Why?

Because retirement income doesn’t just get taxed based on how much you make.

It gets taxed based on where it comes from and how it stacks.

Here’s what most retirees miss:

• Interest income increases provisional income and can trigger more Social Security taxation.
• Capital gains can be taxed at 0%... but only if you stay inside certain thresholds.
• The order you draw from accounts matters.
• For households age 65+, the standard deduction can offset a meaningful portion of income.

Two households with identical portfolios can have drastically different tax bills simply because one coordinated its withdrawals and the other didn’t.

The real levers:

✔ Asset location
✔ Income layering
✔ Bracket management
✔ Intentional use of the 0% capital gains bracket
✔ Controlling provisional income

This isn’t about being wealthy.

It’s about being intentional.

Retirement isn’t just about generating income.

It’s about keeping more of what you generate.

If you’re within 10 years of retirement, this conversation matters more than your rate of return.

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Cetera Wealth Services LLC, exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting, or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Wealth Services LLC nor any of its representatives may give legal or tax advice. The opinions contained in this material are those of the author not necessarily Cetera Wealth Services LLC.

03/03/2026

A trust only works if assets actually move into it.

Sounds obvious, but I see this all the time.

Someone takes the time to work with an attorney, creates a thoughtful trust structure, signs all the documents… and then life gets busy. The trust exists on paper, but the assets that were meant to support it are never fully transferred in.

This isn’t just about retitling a checking account.

Homes, brokerage accounts, and the way beneficiary designations are set up can all influence whether the trust functions the way it was intended to. In some cases, retirement accounts remain the primary source of wealth, while other assets that were meant to fund the trust are never positioned as intended.

This can create confusion down the road for family members and the executor who is trying to follow instructions across multiple documents and accounts.

From a planning standpoint, this is where coordination matters. The structure of the plan and the way the assets are actually held need to work together.

It’s not necessarily about adding complexity, but more about making sure the existing pieces are connected in a practical way.

A simple review now can spare others from having to piece things together later.

Any other advisors ever come across this same situation with clients?

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All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. Past performance is not a guarantee of future results.

I’m excited to share that I’ve launched Grove Wealth Solutions, an independent wealth advisory firm built to serve clien...
02/18/2026

I’m excited to share that I’ve launched Grove Wealth Solutions, an independent wealth advisory firm built to serve clients with a more integrated, tax-first approach to planning.

Grove operates as an affiliate of Convergent Financial Partners, providing the infrastructure and support needed to deliver a high-touch, long-term advisory experience—while preserving independence and flexibility.

I’m grateful for the relationships that have shaped this next chapter and look forward to thoughtful conversations around wealth, continuity, and stewardship.

Always open to a thoughtful planning conversation. Schedule a call anytime: https://calendly.com/jos-grovewealthsolutions/wealth-planning-intro-call-clone

Address

3350 Riverwood Parkway, Ste 1900
Atlanta, GA
30339

Opening Hours

Monday 9am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 8am - 5pm

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