Tax Planning

Taxes are central to financial planning. Nearly all planning concepts have tax considerations whether it’s retirement, investment, cash flow, insurance, or estate planning.  As patriotic Americans we believe in paying what we owe; however, we’d rather tip our server than the IRS. Luckily, there are strategies that can help maximize wealth and legally minimize our lifetime taxes.  Here are some examples our clients take advantage of: tax diversification, asset location, Roth conversions, tax loss harvesting, and tax gain harvesting (0% tax on long-term capital gains below certain income thresholds!!!).  For those charitably inclined, there are even more strategies to maximize gifts and minimize taxes.  In summary, let’s help you plan for tax-efficient wealth so that more of your dollars can be used on what is most important to you.