Asset location
Same investments, different accounts, different tax bills. Putting the right assets in the right buckets (Roth, traditional, taxable) compounds quietly for decades.
Tax Strategies
Pay every dollar you owe — and not one more.
Your CPA files this year's return. We look at the next thirty. Multi-year tax planning is where most families leave the largest sums on the table, and it's often the easiest to fix.
Roth conversion strategy
Filling the 12% and 22% brackets in low-income years can save six figures over a retirement. We build a multi-year ladder and update it annually.
Tax-loss & gain harvesting
Selective realization of losses and gains keeps your cost basis efficient and your bracket in check.
Charitable giving
Donor-advised funds, QCDs, and appreciated-stock gifts can multiply both your impact and your deduction.
What you can expect
- Multi-year tax projection
- Year-end planning meeting (with your CPA)
- Charitable giving optimization
- RMD and IRMAA planning