Tax-Smart Planning & Income Strategies

Keep More of What You Earn. It’s Legal. It’s Smart. Most People Don’t Do It.

Taxes are one of the biggest drags on long-term wealth, and most people pay more than they have to, simply because no one has ever laid out their options clearly.

I’m not a CPA, and I don’t file your taxes. But as a fiduciary financial advisor, I help you build a strategy that accounts for taxes at every step, so you’re not making financial decisions in a vacuum and then getting caught off guard in April.

What Tax-Smart Planning Looks Like

Tax-Free Income Strategies

There are legal ways to generate income that the IRS doesn’t touch or barely touches. Municipal bonds, Roth conversions, and HSA withdrawals for medical expenses are a few examples. We’ll look at which of these make sense for your situation.

Tax Loss Harvesting

When investments in your portfolio decline in value, those losses can be used to offset gains elsewhere, reducing your tax bill without changing your overall investment strategy. We’ll identify opportunities to do this strategically throughout the year.

Roth Conversions

Converting money from a traditional IRA to a Roth can make a lot of sense in the right circumstances, especially in years when your income is lower than usual. We’ll look at whether and when a conversion makes sense for you.

Account Sequencing for Retirement

When you’re drawing income in retirement, the order you pull from your different accounts, taxable, tax-deferred, tax-free, has a significant impact on how much you pay in taxes and how long your money lasts.

This is one of the most overlooked areas of retirement planning.

Deduction Optimization

Are you taking every deduction you’re entitled to?

Are there opportunities to bunch deductions in certain years, time capital gains, or reduce your adjusted gross income?

We’ll look at your situation holistically so you don’t leave money on the table.

Strategic Tax Planning

Who This Is For

  • Anyone who feels like they pay too much in taxes but doesn’t know how to change it
  • Retirees managing taxable withdrawals from multiple account types
  • People approaching retirement who want to position their accounts before RMDs kick in
  • Small business owners looking for tax-efficient ways to save and invest
  • Anyone considering a Roth conversion who is not sure if it makes sense

Note: I work alongside CPAs and tax professionals.

I don’t replace them.

For complex tax situations, I’ll coordinate with your tax preparer to make sure your financial and tax strategies are aligned.