Tax Strategy
Proactive, year-round tax planning designed to reduce your lifetime tax burden and keep more of what you earn. We plan your taxes all year, every year.
Explore My OptionsThese are the oversights we see again and again.
Without a proactive strategy, you likely pay more in taxes than necessary. Tax preparation records last year. Planning works on this year while there is time to act.
Business owners often miss deductions or keep an entity structure that no longer fits. The right setup, chosen with your CPA, can lower self-employment and income taxes every year.
Taking money from the wrong accounts at the wrong time can push you into higher tax brackets, trigger Medicare surcharges, and erode your savings faster than necessary.
We look beyond a single tax return. Our approach considers your complete financial picture to find savings opportunities at every stage of life.
We strategically sell underperforming investments to offset gains elsewhere in your portfolio. This can lower your current tax bill while keeping your overall investment strategy on track.
Converting traditional individual retirement account (IRA) funds to a Roth at the right time can lower your lifetime tax bill. We identify low-income years and windows of opportunity to convert at lower tax rates.
From donor-advised funds to qualified charitable distributions, we help you support the causes you care about in the most tax-efficient way possible. Your giving can also lower your tax bill.
Choosing the right business entity, such as an S corporation, a limited liability company (LLC) or a sole proprietorship, changes your tax bill. We evaluate your situation and work with your CPA on the structure that best fits your total tax picture.
The order you draw from your accounts in retirement matters. We build a year-by-year withdrawal plan across your taxable, tax-deferred, and tax-free accounts to help manage your bracket each year.
A disciplined, four-step approach that turns reactive tax filing into proactive tax savings.
We review your prior returns, current income sources, investments, and business structures to identify where you're overpaying and where opportunities exist.
We build a personalized tax strategy covering harvesting opportunities, conversion timing, entity optimization, and withdrawal sequencing tailored to your goals.
We execute the plan in coordination with your CPA and other advisors. Every move is timed carefully to maximize your tax savings for the current year and beyond.
Tax laws change. Your income changes. We review your plan throughout the year and adjust proactively so you can act on savings opportunities as they come up.
Answers to the questions we hear most from families looking to reduce their tax burden.
Tax preparation is backward-looking. It records what already happened and files your return. Tax planning is forward-looking. It anticipates your income, deductions, and life changes, then looks for ways to lower your tax bill while there is still time to act. Your CPA files the return, and we help shape the numbers that go on it.
Absolutely. We collaborate directly with your CPA or tax preparer. We handle the strategy and planning side, while your CPA handles the filing and compliance. This partnership ensures nothing falls through the cracks. If you don't have a CPA, we can recommend trusted professionals in our network.
Tax planning is valuable for anyone with investable assets, but it is especially impactful for business owners, high-income earners, people approaching or in retirement, and families with complex financial situations (rental properties, stock options, inheritance, etc.). If your tax situation involves more than a simple W-2, it is worth a closer look.
It should be ongoing. Tax laws change every year, and so does your financial situation. A one-time plan quickly becomes outdated. In every monthly plan and in wealth management, we review your tax strategy through the year and adjust before deadlines arrive. This ensures you capture new opportunities and avoid surprises at tax time.
The first step is a 30-minute discovery call. During that call, we will listen to your situation, review your goals, and give you an honest assessment of whether we can help. Tax planning is the core of our Tax Strategy plan, $200 a month with no setup fee, where most clients start. It is also included in wealth management, with no separate planning bill.
Take our free 3-minute assessment. Answer 7 questions and get a personalized tax strategy score with specific recommendations.
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A proactive tax strategy can lower what you pay over your lifetime. Let's look for the opportunities in your financial picture.
Explore My OptionsOr call us directly: (949) 729-9994
