Tax-Focused Financial Planning

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Get the most out of your wealth with comprehensive financial planning

Our financial advisory services reflect “Then-What Problem Solving:” a superior way to address complex, multivariable problems.


For example, you might jump on a 30% rate of return investment opportunity…


But without thinking “Then what will I pay in taxes,” the IRS might wipe out all your profits.


Since we are certified in BOTH Investment Advisory AND Tax Planning, we create strategies that take into account ALL the variables!

Our Financial Planning and Advisory Services

A Financial (or wealth) Advisory representative can help with

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Retirement

Planning

College

Planning

Business Financial

Advisory

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Retirement Planning

Saving for retirement seems easy at first glance, right?


Chuck some money away and take it out when you want to live on the Riviera. Done.


But as you can guess, it’s much more complicated than that.


What kind of investments do you choose? And why?


Should you convert to a Roth? (This seems to be the “flavor of the month” these days and many people don’t stop to consider the whole situation to see if it MAKES SENSE to convert to a Roth.) Before “following the crowd” it’s best to know IF and WHY preceding that plan will bring you closer to your overall goals.


When and from what sources do you take retirement money first? The timing and choices significantly impact the amount of tax you will pay.


And speaking of taxes… how can you reduce them? (Often they are the biggest retirement expense!)

College educations aren’t getting any cheaper.


In fact, they’re jaw-dropping expensive.


It’s a balance of tax implications and investment opportunities.


We can help sort through the various options of:


  • 529 plans 
  • Grandparent 529 plans
  • Education savings accounts
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College Planning

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College Planning

College educations aren’t getting any cheaper.


In fact, they’re jaw-dropping expensive.


It’s a balance of tax implications and investment opportunities.


We can help sort through the various options of:


  • 529 plans 
  • Grandparent 529 plans
  • Education savings accounts
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Planning for Your Future Takes Serious Financial Planning

Case Study

James, 45, was a working executive for a fortune 500 company, and Sally, 42, was a stay-at-home mom. James’ salary increased and he began receiving various stock options from work. Their income increased from $200,000 to $400,000. James and Sally knew they were making enough money now that they needed to get serious about financial planning. 


We started by really listening to their goals. They described the retirement lifestyle they hoped for and their personal values. Next, we reviewed their practices at the time and found that James was putting only 6% into his company 401(k). Based on their desired retirement lifestyle, however, we showed them that 6% savings wouldn't be enough.


“Oh,” they said. 


So, we recommended that, first, with James’s new raise, they maximize their retirement savings. By reviewing their budget in-depth we found that they were spending every dollar they earned. When they looked at their long-term goals, however, they realized that they needed to make some changes. They were ready to buckle down and think about their future. 


So we devised a plan for them to save another $75,000 per year, and generated strategies for cashing out stock options tax-efficiently, but also with an eye for investment performance. 


After a few years of their new financial plan, they have amassed significant savings!


But it gets better.


After seeing their wealth grow, they wanted to look at other opportunities.


So we put together another idea for James and Sally. Sally always had a passion for real estate. So they considered buying a rental property. 


However, we advised them that because of the tax implications, there would be substantially less benefit if they bought the property and rented it passively, than if Sally became a real estate agent  (as she expressed interest in doing). With Sally considered a “Real Estate Professional,” the tax code would offer significantly more tax savings.


By following this plan they save an additional $120,000 per year and are on track to hit their financial goals of both saving for their son, Josh’s, college tuition AND maintaining their lifestyle through their retirement.

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