Tax planning shouldn’t just happen in the last quarter of each year. In the video Tax-loss Harvesting: A year-round Tax-planning Strategy, CCM Chief Investment Officer Adam Hoffmann, CFP®, AIF®,  discusses how CCM leverages tax-loss harvesting—selling securities at a loss—to improve clients’ total financial plans. Capturing losses provides flexibility to our tax and investment teams such that they can reduce the tax impact of future rebalancing activities, or lessen clients' overall tax burden by offsetting future gains with "harvested" losses. Whether the market is up or down, CCM is always looking for opportunities to improve our clients' after-tax returns.