Tax Planning
Helping ensure you’re not paying more in taxes than necessary to retain more of your hard-earned wealth.
A Long-Term Focus
Unexpected taxable events can become one of the single greatest costs you encounter. We take a forward-thinking approach to help you make informed choices, considering how your current and future tax situation may impact planned investment or retirement outcomes.
Optimized Investment Practices
It’s the growth on your wealth AFTER tax that matters. With an appropriate balance between taxable and non-taxable investments along with the implementation of techniques such as tax-loss harvesting, our focus is on reducing your overall tax liability.
A Variety of Tools
Whether your focus is reducing income taxes, minimizing capital gains taxes, or eliminating estate taxes, we have the knowhow and tools needed to give you confidence that your plans are as tax-efficient as possible.
A Long-Term Focus
It’s no stretch to suggest that most of us are unhappy when it comes to paying taxes. We know that is certainly true of our clients who are working hard to accumulate wealth. You may feel that you’re paying too much or that you simply don’t understand the process well enough. Tax planning should never be reactive. One unexpected taxable event—a large capital gain, the sale of a business, or an ill-timed withdrawal—can become one of the most significant and unnecessary costs in your financial life. That’s why we take a forward-looking, integrated approach to tax strategy. By analyzing not just your current tax exposure but also forecasting how future changes in income, legislation, or asset values may affect your tax picture, we help you make smarter, more informed decisions today. This proactive approach supports more predictable outcomes in retirement, investment management, and wealth transfer—minimizing tax surprises and maximizing long-term after-tax wealth. Such analysis should be coordinated with estimated income tax requirements by your CPA.
Optimized Investment Practices
When it comes to building wealth, it's not just what you earn—it's what you keep. We emphasize strategies that optimize after-tax returns by thoughtfully structuring portfolios across tax-advantaged and taxable accounts. Techniques like tax-loss harvesting, asset location (placing the right investments in the right account types), and intelligent rebalancing help reduce current and future tax liabilities. Our investment process integrates seamlessly with your tax plan to ensure your portfolio works hard—not just in terms of performance, but in tax efficiency. The result is a smarter approach to investing, where growth is pursued with a full understanding of its tax implications.
A Variety of Tools
Every client’s tax profile is different, and so is the mix of strategies required to optimize it. Whether your goals include minimizing annual income taxes, reducing capital gains exposure, or eliminating—or at least mitigating—estate taxes, we bring a comprehensive set of tools to the table. These may include Roth conversion strategies, specialized retirement accounts—such as a solo 401(k) or a robust 401(k) or defined benefit plan—for your business, charitable gifting vehicles (such as donor-advised funds or charitable remainder trusts), grantor and irrevocable trusts, and income-shifting strategies across generations. Our expertise lies not just in knowing what tools are available, but in selecting the right combination—tailored to your circumstances—to give you peace of mind that your financial life is as tax-efficient as possible, now and in the future.