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Hey Coach,
Most coaches focus on what to invest in.
Smart coaches also think about where those investments live.
That concept is called asset location - and it can quietly add thousands of dollars to your long-term results without increasing risk.
Let’s break it down in plain language.
The Big Idea
Different accounts are taxed differently.
Putting the right investments in the right accounts helps you:
Reduce taxes over your lifetime
Increase flexibility in retirement
Keep more of what your investments earn
Same investments.
Better placement.
Better outcome.
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The Three Investment Buckets
Most coaches have money in some combination of these:
1. Taxable Accounts
Brokerage accounts, joint accounts, trust accounts.
Tax traits:
Dividends & interest taxed yearly
Capital gains taxed when you sell
Long-term gains often taxed at lower rates
Best fit for:
Broad stock index funds
ETFs with low turnover
Assets you may need before retirement
2. Tax-Deferred Accounts
401(k), 403(b), traditional IRA, 457 plans.
Tax traits:
Contributions often reduce taxes today
Growth is tax-deferred
Withdrawals taxed as ordinary income
Required Minimum Distributions (RMDs) later
Best fit for:
Bonds
Actively managed funds
Higher-turnover investments
3. Tax-Free Accounts
Roth IRA, Roth 401(k).
Tax traits:
Contributions made with after-tax dollars
Growth is tax-free
Withdrawals are tax-free
No RMDs (during your lifetime)
Best fit for:
Stocks with high growth potential
Long-term equity holdings
Assets you want maximum flexibility from later
A Simple Asset Location Framework
You don’t need perfection. You need intention.
A solid baseline approach:
Roth: Growth assets (stocks, equity funds)
Tax-Deferred: Income-heavy or tax-inefficient assets (bonds)
Taxable: Tax-efficient stock funds and flexibility money
Think of it like lineup construction - every player has a role.
Common Coaching Mistakes
Holding bonds in Roth accounts
Putting high-growth stocks in tax-deferred accounts without a plan
Ignoring taxes when choosing investments
Treating all accounts the same
That’s like running the same offense regardless of personnel.
Why This Matters in Retirement
Good asset location gives you:
Better control over taxable income
More flexibility when markets drop
More options for Social Security timing
A smoother withdrawal strategy
Defense wins championships - and taxes are part of defense.
Final Whistle
You don’t need exotic investments to build wealth.
You need:
✔️ Solid investments
✔️ Smart account placement
✔️ A long-term plan
What you invest in matters.
Where you invest it matters more than most people think.
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Coach Mike Klinzing
Founder, Wealth4Coaches
"Coach smarter. Save better. Live freer."
