Tax Planning That Keeps Taxes Low
Without a plan, it’s easy to pay more tax than you did while working. We build a coordinated strategy so more of your income stays with you.
How we keep taxes low
Annual tax return review to spot bracket, credit, and deduction opportunities
Roth conversion windows (especially in the pre-RMD years)
Smart timing and coordination of income streams (pensions, Social Security, RMDs, annuities)
Asset location: placing investments in the right accounts to reduce ongoing taxes
Charitable giving strategies (DAFs, QCDs at 70½)
Medicare IRMAA planning and appeals
Capital gains management and tax-loss/gain harvesting
We stay current on tax law changes and update your strategy accordingly — so you capture every available opportunity.
Who this is for
We work with households in their peak earning years who feel they’re leaving deductions on the table; pre-retirees within ten years of retirement, when Roth conversion windows and income-timing decisions matter most; retirees juggling RMDs, Social Security taxation, and stacked income sources; and individuals going through or finishing a divorce, when filing status, dependents, and asset transfers change the tax math overnight.
Our process
Review. We start with your last two tax returns and a complete income inventory.
Model. We project your brackets forward and identify the windows — low-income years, conversion opportunities, gain-harvesting room — where planning does the most good.
Coordinate. We work alongside your CPA (or serve as your EA) so the plan actually shows up on the return.
Update. Tax law changes; so does your life. We revisit the plan every year and after every major change.
The divorce tax angle
Divorce changes almost every line of your return: filing status, dependents, the taxation of support, the cost basis of assets you keep, and who benefits from the home-sale exclusion. Two settlements that look equal on paper are often very different after tax. As Certified Divorce Financial Analysts, we model the after-tax value of settlement options before you sign, and we build the post-divorce tax plan so your first solo filing isn’t a surprise.
Frequently asked questions
Do you prepare tax returns? Our focus is planning, not preparation. As an Enrolled Agent we understand returns deeply, and we coordinate directly with your preparer — or help you find one — so strategy and filing stay in sync.
When is the best time to start tax planning? Before year-end, and ideally years before retirement. Most of the biggest opportunities — conversion windows, income timing, gain harvesting — expire on December 31 each year.
How is this different from what my CPA does? Most CPAs are focused on filing accurately and on time. We focus on the years ahead: positioning income, accounts, and withdrawals so there’s less tax to report in the first place. The two roles complement each other.
👉 Ready to review and understand your tax return?
Tax Strategy
