We will help you to reduce the amount of taxes you pay over your lifetime, which can have a significant impact on your ability to accumulate life-long wealth and leave a legacy to the ones you love. Our tax planning services include*:

• Pre- and post-tax investment planning: We help you determine when and how to invest your pre-tax dollars, such as in traditional IRAs and 401(k)s, versus your post-tax dollars, such as in Roth IRAs and brokerage accounts. This helps you reduce the taxes you pay over your lifetime, and maximizes the growth of your assets.
• Income tax planning: We help you to plan ahead for various types of income, such as from dividends, interest, capital gains, annuity income payments, retirement benefits, and inheritances, each of which has specific tax implications. We help you to position yourself whenever possible in vehicles that carry lower tax burdens.
• Tax-efficient retirement planning: We help you to structure your retirement income distributions in ways that reduce taxes, stretch out your savings as long as possible, and maximize your monthly retirement income.
• Legacy and estate planning: We help you to build strategies for transferring your wealth to your intended beneficiaries in the most tax-efficient way, to eliminate or reduce the taxes they will have to pay on the funds they inherit from you.
• Depending on the complexity of your financial situation, we may review your tax return annually and use it to identify opportunities, such as:
  • Optimizing benefits if you are a W-2 employee
  • Helping you to strategically manage your capital gains
  • Assisting you with income deferral strategies if you are a business owner
  • Guiding you on charitable giving, its tax implications, and how to maximize your tax advantages while giving
  • Determining the optimal sequencing of retirement distributions if you are a retiree
  • Guiding you about how to keep your retirement income below the thresholds at which you would face additional charges for Medicare Part B and D premiums, when applicable
  • Guiding you in strategic family gifting, to help you stay within the annual and lifetime gift tax exclusions
  • With your permission, and when your CPA also agrees, we will collaborate with your CPA in order to optimize your investment growth and tax efficiency.
  • We provide tax mitigation guidance year-round, not only during tax season.

*This information is not intended as a substitute for personalized legal or tax advice. We suggest that you discuss your specific situation with a qualified legal or tax advisor.

Explore strategic tax planning today