Business & Employers

Integrated Tax Planning for Individuals & Business Owners

Most people only think about taxes once a year, in April. We work with our clients year-round, looking forward — not backward. Strategic tax planning is one of the highest-return activities in financial planning, and small changes in approach often compound over decades.

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Individual Tax Planning

  • Roth conversion windows in low-income years (early retirement, sabbaticals, between RMD age and retirement)
  • Tax-bracket management — staying within target brackets to maximize lifetime tax efficiency
  • Tax-loss harvesting in taxable brokerage accounts to offset gains and reduce ordinary income
  • AMT (alternative minimum tax) planning for executives with ISOs or large itemized deductions
  • IRMAA (Medicare premium surcharge) management for retirees

Business Tax Planning

  • Entity structure analysis: S corporation, LLC, partnership, C corporation — and when to convert
  • QBI (Section 199A) deduction optimization for pass-through businesses
  • Retirement plan design as a tax-savings vehicle (Solo 401(k), SEP, cash balance, profit sharing)
  • Cost segregation studies and accelerated depreciation strategies for real estate owners
  • Multi-state tax planning for businesses with employees or customers in multiple states

How We Coordinate with Your CPA

  • We project your tax situation each fall while there is still time to act
  • Joint year-end planning meetings with your CPA so nothing gets lost between advisors
  • Multi-year tax projections — not a one-year snapshot — to capture the full picture
  • Quick-turnaround tax estimates whenever a major life event or transaction is on the horizon

Frequently Asked Questions

Are you a CPA or tax preparer?

No. We do tax planning, not tax preparation. We work alongside your CPA — many of our clients find that the planning we do drives the most efficient return their CPA has ever prepared.

How much can Roth conversions actually save?

It varies, but moving income from a future 24% or 32% bracket into a present 12% or 22% bracket can save six to seven figures over a 30-year retirement. The exact savings come out of careful multi-year modeling.

What is the QBI deduction?

The Qualified Business Income (Section 199A) deduction can reduce the effective tax rate on pass-through business income by up to 20%. It phases out for some service businesses above income thresholds — careful planning preserves it.

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Every plan begins with a complimentary, no-obligation conversation about your goals.

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This information is not intended as authoritative guidance or tax or legal advice. You should consult your attorney or tax advisor for guidance on your specific situation. In no way does advisor assure that, by using the information provided, plan sponsor will be in compliance with ERISA regulations.