Tax Planning
Most plans treat taxes as a once-a-year cleanup. We treat them as a strategic input every quarter — because the biggest leak in long-term wealth is almost always the tax bill nobody planned for.
Multi-year tax projections
We model your tax picture across a 5–10 year window so today's decisions account for tomorrow's brackets.
Roth conversion strategy
Disciplined Roth conversions sized to fill brackets, reduce future RMDs, and protect surviving spouses and heirs.
Capital-gain harvesting
Coordinated gain and loss harvesting that respects your bracket, AMT exposure, and Medicare IRMAA thresholds.
Charitable & QCD planning
Donor-advised funds, qualified charitable distributions, and appreciated-stock gifting structured for maximum impact.
Pre-liquidity strategy
For business owners and pre-liquidity clients: timing, entity structure, installment sales, and DST coordination.
Surviving-spouse & RMD planning
Build the plan before the cascading-failure decade — when RMDs, Medicare costs, and filing status converge.