Tax Planning
Like it or not, taxes are most likely going to be the biggest expense of your lifetime - we help minimize that cost. Great tax planning isn't something you just do every April - it's something you build into every financial decision you make throughout the year. We impleemnet proactive tax strategies into your overal retirement plan, so you're always looking ahead and there's no surprises at during tax season!
Ongoing Tax Planning
We bring up our tax planning software during every meeting we have, we track your paystubs throughout the year. Keeping tabs on how much money has gone into your retirement plan, how much tax has already been withheld, are we expecting any stock options to vest or bonuses to hit later in the year? We monitor it all.
We don't prepare tax returns, but we partner closely with your CPA (or can help connect you with one) to make sure your planning and your taxes are working together.
Roth conversions
Strategic Roth conversions — moving pre-tax IRA dollars into a tax-free Roth account — can reduce future RMDs, lock in today's tax rates, and create a pool of tax-free retirement income. We help you model whether this makes sense for your situation and identify the right windows to act.
Charitable giving strategies
If giving is part of your plan, we help you give in the most tax-efficient way possible. This includes Donor-Advised Funds (DAFs), Qualified Charitable Distributions (QCDs) from IRAs, and appreciated stock gifting — strategies that can lower your taxable income while maximizing the impact of your generosity.
Tax projections & withholding
We run forward-looking tax estimates to help you avoid underpayment penalties and plan ahead for major income events — like retirement transitions, large bonuses, or business sales. We help you adjust withholding or estimated payments before surprises happen.
Tax-loss harvesting
In taxable investment accounts, we actively monitor for opportunities to harvest losses — selling positions at a loss to offset capital gains and reduce your tax bill. This is especially valuable during volatile markets and is one of many reasons ongoing investment management and tax planning work best together.