Integrated Tax & Estate Planning

As we work together to craft your wealth management strategy, it's important to remember that almost all financial decisions will directly impact your taxes. We will work with your CPA and other advisors to ensure we have a clear understanding of your tax situation which can help us better position the opportunities to save you tax dollars and move closer to your financial goals.

As part of our initial planning process, we will connect with your CPA and work collaboratively to design creative strategies to not only build wealth potential, but to help you preserve your income and seek to maximize your returns.

Our conversations will include a variety of opportunities such as:

  • Tax law changes and their impact on your investment strategy
  • Cash flow distribution strategies
  • Estate planning tax implications
  • Tax deduction opportunities
  • Tax deferred investments
  • Tax credits
  • Year-end tax planning
  • Social security taxation issues
  • Business sale impact
  • IRA distribution and Roth IRA conversions analysis
  • Inheritance planning



What is tax loss harvesting?

Tax-loss harvesting is the selling of securities at a loss to offset a capital gains tax liability.

Are you facing increased Medicare premiums due to your income level?

We can assist you in your awareness and understanding of the income thresholds that may subject you to higher medicare premiums. There could be planning opportunities to help you reduce or avoid Medicare surcharges altogether.

Where do charity, income tax, estate tax and wealth management intersect?

For starters, Qualified Charitable Distributions (QCD’s) are a great way to utilize an available provision of tax law to do charitable giving during the lifetime of the donor.  Up to $100,000 annually can be given via this method.  This could not only reduce current income tax burdens, but also serve to address estate tax in the right situations.  There are additional charitable trust alternatives should larger sums be involved in charitable and estate planning.  We can hep you explore all those options.

Should I convert my traditional IRA into a Roth IRA?

The discussion around converting IRAs to Roth is typically not straight forward.  Many analysis focus on only one or two dimensions of the question.  Multiple layers of questions and issues need to be uncovered to find the answer, which literally is as individual as your situation.  We can help guide the conversation to get your best outcome.

How do annuities offer tax deferral?

As income and estate tax revisions appear to be headed higher, it’s time to review the role annuities play in managing taxes.  For taxable accounts, annuities offer deferral of tax on any gains and investment income.  You are able to control the timing of withdrawals and therefore taxation of growth to suit the ebb and flow of your income

This information is not intended to be a substitute for specific individualized tax advice.  We suggest that you discuss your specific tax issues with a qualified tax advisor.