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
You spent decades saving. We plan it so your savings don’t become a tax bomb.
Every withdrawal, Roth conversion and Social Security decision from here is also a tax decision. So is every investment decision: what you hold, where you hold it, and when you sell.
Paying too much tax and running out of money are the same problem. We plan both together:
A retirement income plan: what to spend, from which accounts
Investments managed to that plan, with your tax return in view
Social Security and Medicare timing
Roth conversions and required withdrawals, planned years ahead
Already retired? The same plan applies, one year at a time.
Schedule your free consultation →Learn more about retirement planning →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
Turning the proceeds into an income plan you can spend from
Investments managed with your tax return in view
Not selling yet? We plan the years before it too.
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, including owners planning to sell or step back. 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
“Wealth management” is just the industry name for three things done together: managing your investments, planning your finances, and planning your retirement income. Most firms stop there. Here, the same person also prepares your tax return, so every decision is made with your taxes in view.
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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 conversation with Anton about where you are and what’s ahead: retirement in the next few years, or the next year in your business. Send your most recent tax return before we meet, so Anton has an accurate view of your tax situation. Investment and retirement account statements are welcome too, but optional.
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.
It gives Anton an accurate picture of your tax situation, so the meeting is productive.
You’ll get a secure upload link when you schedule, no login needed. If you also file a business, trust, or estate tax return, include those too. Meeting in person? You can bring copies instead. Investment and retirement account statements are welcome too, but optional.
A free 30-minute conversation, by phone, video, or at our Crystal Lake office. Send last year’s tax return beforehand and bring your questions.
