Most people get financial advice in pieces. A CPA files the taxes. A financial advisor manages the investments. Too often, nobody is connecting the two or looking at the whole picture.
Over a lifetime, that gap can cost tens of thousands of dollars in extra taxes—sometimes hundreds of thousands. As your CPA and financial advisor in Crystal Lake, IL, we coordinate your tax, investment, and retirement decisions to help you grow your wealth and reduce your lifetime tax bill.
One move made at the wrong time can add thousands of dollars to your tax bill, and you usually find out in April, after it’s too late to change anything. The usual triggers:
Selling your house or a rental
Cashing in stock that has grown
Taking money out of an IRA or 401(k)
Starting Social Security or Medicare
Inheriting money or an IRA
A big bonus or a strong business year
Managing investments without a tax plan
Selling or buying a business
We focus on the moment your paycheck stops or changes: retiring, or selling your business and stepping back.
Our advisor doesn’t do taxes, and our tax guy doesn’t talk about our investments. We’re the ones stuck in the middle.
Paying too much tax and running out of money are the same problem. We plan both together:
A retirement income plan: what you can spend, from which accounts, and in what order
Investments managed to that plan, with your tax return in view
Social Security and Medicare timing
Roth conversions and required withdrawals, planned years ahead
Protecting your spouse: survivor income and what your heirs keep
The result: a clear plan for what you can spend, investments built around it, and taxes planned years ahead, all in one place.
Already retired? The same plan applies: every withdrawal, conversion and Social Security decision, planned a year ahead.
Schedule your free consultation →Learn more about retirement planning →I’ve spent years building this. I don’t want the sale to be the most expensive tax year of my life.
What you keep from a sale is mostly decided before the deal is signed. We plan the sale and what comes after it together:
How the sale is structured, and when the money comes in
Spreading the tax over more than one year, where it makes sense
Setting aside more before tax in your last working years
Turning the proceeds into an income plan: what you can spend, and from which accounts
Investments managed with your tax return in view
The result: a sale planned around what you keep, and a plan for life after the business, all in one place.
Not selling yet? We plan the years before it too: how you pay yourself, retirement plan contributions, and a tax bill set by design.
Schedule your free consultation →Learn more about business owner planning →The fix is coordination: one advisor who sees your whole financial life, from taxes and investments to retirement income and your business, and is accountable for the total.
Financial & Tax Advisor
Anton is your CPA and your financial advisor, so every investment decision is made with your tax return in view. You work with him directly, from the first call on.
CPA
Certified Public Accountant
CFP® professional
CERTIFIED FINANCIAL PLANNER® certification
EA
Enrolled to practice before the IRS
MBA
Master of Business Administration
Fee-only
Paid only by you, never by commissions or product sales.
Fiduciary
Legally required to put your interests ahead of our own when advising you.
Independent
Not owned by a bank, brokerage, or insurance company. No products to sell.
Custodied at Schwab
Your accounts are held at Charles Schwab.
Member: AICPA · Illinois CPA Society · NATP · NAPFA
“Your CPA and your advisor not talking to each other is the most expensive thing on your tax return. I fixed it by being both.”
Anton Prokopenko, Financial & Tax Advisor
Start where it makes sense for you. You can begin with your taxes or a one-time review, and move to a full relationship whenever you want everything handled together.
For individuals and business owners who want their tax returns done right and a CPA to plan ahead with, year-round.
Flat fee, quoted up front
For people heading into retirement or already there. We look at your income, savings, and accounts together to answer the question underneath it all: can you retire, and stay retired? Then we estimate your lifetime tax bill and find ways it may be lowered.
Flat fee · credited toward wealth management if you continue
Your investments, retirement income, and taxes, managed together year-round by one person who knows your whole picture. Instead of advice in pieces, you get one plan that keeps up as your life and the tax rules change.
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Your personal tax return, included
Fee based on assets we manage · no commissions · accounts held at Charles Schwab
Not sure which fits? That’s what the free 30-minute call is for.
A free 30-minute call with Anton about where you are and what’s ahead: retirement in the next few years, or the next year in your business. No prep needed, just bring your questions. If it’s handy, you’re welcome to send your recent tax returns and investment or retirement account statements ahead of time, but it’s not required.
Anton reviews your tax returns, investment statements, and, if you own a business, your business tax return, side by side to see your whole tax and financial picture and where the two can work better together.
You get a written plan. Heading into retirement: which accounts to draw from, Roth conversions, and Social Security timing. Running a business: how to pay yourself, retirement plan contributions, and when to sell.
Quarterly check-ins, tax projections, and moves made before deadlines, not after, so your plan keeps up as your life and the tax rules change.
A free 30-minute call. No prep needed, just bring your questions.
