Tax Planning & Optimization

Minimize the Tax bite - today and tomorrow

Taxes affect every part of your financial life, whether you're aware of it or not. We believe tax planning should be proactive, not reactive — and it's often the difference between a good plan and a great one. We work with you (and your CPA, if you have one) to identify smart, intentional ways to reduce tax liability over time.

Areas we focus on:

• Analyzing your current and projected tax exposure

• Roth conversions and IRA distribution strategies

• Capital gains and charitable giving strategies

• Tax-efficient investment and withdrawal planning

• Navigating RMDs and Social Security taxation

We don’t just plan for April 15 — we look at the next 5, 10, 20 years to help you keep more of what you’ve worked hard to earn.