Tax Smart Approach
Taxes are an integral part of your financial life which is why they are always top of mind. We take a proactive approach to year-round tax planning so you pay less and enjoy more.
Optimized Savings Strategy
Are you saving in the right place? Saving in the right accounts can be just as important as how much you save. We know there are a lot of choices: 401(k), Roth 401(k), 403(b), 457, IRA, Roth IRA, Personal Investment Account, CDs, and Stock Options just to name a few. We’ll create a custom savings strategy to optimize your after-tax return.
Efficient Spending Strategy
You have spent your working life diligently saving and now it is time to retire. How do you get your money out? How much should you take? What is the tax impact? These are complex decisions. We’ll help you design and manage a custom distribution plan, so you keep more of your hard-earned dollars.
Roth Conversions
Lessen your lifetime tax burden by utilizing Roth conversions in years with low taxable income. Proper use of Roth conversions is a proactive tax strategy to reducing total lifetime taxes, lower RMDs, increase tax-free retirement income, and maximize your legacy.
Tax-Loss Harvesting
Taxes are a key consideration in building your investment portfolio. In addition to using tax-efficient funds, we aim to lower your capital gains by strategically offsetting your gains with losses during the year. The real magic is that we improve your after-tax return without the risk of selling at the wrong time.
Charitable Giving
Not only does giving to charity feel good and help others, it can be great for your taxes too. While the real gift is in what you give to others, we will check to see if your generosity can be reciprocated by Uncle Sam.
We Work with Your CPA
We partner with your CPA or tax preparer to form your personal financial team. By coordinating our approach and strategy, we keep more money in your pocket.