Our tax planning services focus on building tax efficiency into your financial decisions year-round. We provide tax-efficient investment strategies including asset location optimization and tax-loss harvesting, retirement tax planning including Roth conversion analysis and withdrawal sequencing strategies, coordination with your CPA on timing and implementation of tax strategies, business owner cash flow and retirement plan contribution optimization, and high-earner strategies like backdoor Roth contributions and charitable giving coordination. We don't prepare tax returns, that's your CPA's role. We provide strategic planning that integrates tax-efficient thinking into every financial decision, then coordinate with your CPA to help ensure proper execution.

We work alongside your CPA as part of your financial team, not instead of them. Your CPA handles tax preparation, compliance, and filing. We handle strategic planning throughout the year, identifying opportunities for tax-loss harvesting, analyzing Roth conversions, coordinating retirement contributions, and timing major financial decisions. We communicate with your CPA on implementation, provide documentation they need, and ensure everyone's working from the same playbook. If you don't currently have a CPA relationship, we can connect you with professionals we work with regularly. Think of it as team coordination: we develop the game plan, your CPA executes the technical details.

Tax-loss harvesting is selling investments that have declined in value to realize losses, which can offset capital gains elsewhere in your portfolio or reduce ordinary income by up to $3,000 annually. Unused losses carry forward to future years. For example, if you have $10,000 in capital gains from selling a rental property and we harvest $10,000 in losses from declined investments, you pay zero capital gains tax (potentially saving $1,500-$2,400 depending on your bracket). We typically harvest losses throughout the year when opportunities arise, not just in December. Done consistently, tax-loss harvesting may save several thousand dollars annually while maintaining your target investment allocation. The key is execution: identifying opportunities and acting on them throughout the year.

It depends on your current tax bracket, expected retirement bracket, timeline, and cash flow to pay the tax bill. Roth conversions work best in low-income years (job transition, early retirement, business slowdown), before Required Minimum Distributions begin at age 73, or if you expect to be in a higher bracket in retirement. They also make sense if you plan to leave IRA assets to heirs, since Roth IRAs grow tax-free forever. The strategy often involves multi-year conversion plans that fill lower tax brackets without pushing you into higher ones. We help you analyze whether conversions make sense for your situation, model the tax impact, coordinate timing with your CPA, and build a multi-year execution plan. Not everyone should convert, but for those who should, the lifetime tax savings can be substantial.