It’s not about what you earn, it’s about what you keep.

Your initial consultation is always free.

Tax Planning Strategies

Without proper planning, you could be leaving thousands of dollars on the table, both now and when you withdraw from your portfolio in retirement.

Our tax planning services aim to reduce your tax bill today and in the future. We do this through:

• Software that analyzes your tax returns

• Reviewing your 1099 and other tax statements

• Tax-loss harvesting

• Asset location

• Roth conversions

• Coordinating into which accounts ongoing savings contributions are made

• Tax-aware withdrawal strategies

• Incorporating tax-managed investment funds

• Pension and deferred compensation advice

• Social Security timing

• Charitable giving strategies

We can help you find ways to save on your taxes through:

• Capturing missed credits and deductions

• Roth-conversion opportunities

• Tax-loss harvesting analysis

• Capital loss carry-forward summary

• Taxable income source summary

• Tax-bracket analysis

• Bundling itemized deductions in specific years

• Required Minimum Distributions (RMD) strategies

• Qualified charitable contributions

• Business-deduction opportunities

• State tax planning

Click here for a sample Tax Return Report. Below is a screenshot:

Tax-Efficient Retirement Withdrawals

When you’re finally ready for (or already in) retirement, we can help you make the most of their hard-earned savings by building a customized withdrawal strategies to recreate their paychecks.

We ensure that money is withdrawn in the appropriate order from the following account ypes:

• Tax-deferred – Traditional IRAs, 401(k)s, 403(b)s, pensions, deferred copensation, etc.

• Taxable – Brokerage accounts, trusts, individual/joint accounts

• After-tax – Roth IRAs, 401(k)s, 403(b)s, Health Savings Accounts (HSAs), etc.

By putting together a deliberate withdrawal strategy for each of our clients, in light of their specific tax brackets, we can reduce ongoing income taxes each year.