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Tax Planning

Appropriate tax planning strategies can help ensure that your portfolio retains its greatest value, protecting both your own retirement spending, as well as your legacy.

In collaboration with your tax professional, we develop an effective tax planning strategy by reviewing your current situation, projecting how that may change, and understanding how that may be affected by both current and future tax law, allowing you to meet your spending goals, and protect and pass on as much of your portfolio as possible.

Income Tax Review

We aggregate and review your tax returns, not only drawing important information such as the use of deductions and income from portfolios and businesses, but also tracking your marginal tax bracket and effective tax rate, searching for strategies that we may suggest to ultimately lower your liabilities.

Income Tax Strategies

After our review, we will recommend and implement various income tax planning strategies to help reduce your overall liability.  These may include early retirement distributions to manage tax brackets, Roth IRA conversions, Mega Roth 401k contributions, and others that are applicable to your individual situation.

Business
Owners

The creation of a qualified retirement plan is one way business owners may simultaneously defer current income while building a retirement portfolio.  Our team has years of experience helping business owners decide whether a SEP IRA, Simple IRA, 401k plan (individual or corporate), or other types of retirement plans are appropriate for their business, and then helping them design and implement those plans.

Investment Portfolio Coordination

Where your investments are located is as important as tax bracket and effective tax rate strategies.  Whether investing in high income strategies in tax-deferred accounts, tax loss harvesting when available, or suggesting tax efficient investments in your taxable accounts, we will try to locate your investments in the best possible place so as to minimize your future tax liability associated with them.

Estate
Tax Planning

Estate taxes can remove a sizable portion of the legacy that you intend to leave.  If you will be affected by an estate tax, we can help to minimize the effect of those taxes on the value of your estate and taxes through strategies that include gifting, trusts, and life insurance, amongst others.

Additional resources

How to Make the Tax Code Work for You

How to Make the Tax Code Work for You

When you take the time to learn more about how it works, you may be able to put the tax code to work for you.
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A Taxing Story: Capital Gains and Losses

A Taxing Story: Capital Gains and Losses

Understanding how capital gains are taxed may help you refine your investment strategies.
Learn More
Capital Gains Tax When Selling Your Home

Capital Gains Tax When Selling Your Home

If your clients are buying or selling a home, use this to help them determine if they qualify for capital gains taxes.
Learn More

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