Most people get financial advice in pieces. A CPA files the taxes. An advisor manages the investments. Nobody is looking at the whole picture, because nobody can see it.
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, with one goal: a lower lifetime tax bill.
When to convert to Roth, which account to draw from first, when to claim Social Security, how to pay yourself, when to sell. Each carries a five- or six-figure tax consequence. Each falls in the gap between your CPA and your financial advisor. Both do their jobs. Neither is responsible for the total.
The years between retiring and your first required withdrawal are often the lowest-income years you'll ever have. That's when the biggest moves pay off: Roth conversions, selling appreciated investments at a lower rate, Social Security timing, and the order you draw from your accounts. Together, they can be worth tens of thousands of dollars over your retirement. We plan those decisions ahead for retirees and pre-retirees with substantial savings who want clarity on:
When to start Social Security
Required minimum distributions (the withdrawals the IRS requires from retirement accounts)
Which accounts to withdraw from, and in what order
Roth conversions (paying some tax now so later withdrawals are tax-free)
Investment management that works with your tax plan
The order you draw from your accounts changes your taxes, your Medicare premiums, and what your heirs keep. Most retirees default to whatever is easiest and pay for it every year after. We make your retirement income tax-efficient and predictable, with taxes and investments handled by the same people.
How you pay yourself, what you put into a retirement plan, and when you sell your business all land on the same tax return. By the time your CPA sees it, the year is over and the options are gone. Your advisor never sees it. We plan those decisions before they happen, so your business and personal finances operate as one coordinated plan:
Retirement planning for business owners
How to pay yourself: salary, distributions, and timing
Retirement plan contributions
Investment management
Business tax strategy
Your salary, your distributions, your retirement plan, and the timing of your biggest income years each move your tax bill by thousands of dollars, every year. Planned ahead, those numbers work together. We plan the year before it starts, so the tax bill is set by design, not discovered.
The fix is coordination: one firm that sees the tax return and the portfolio, and is accountable for the total.
Potential savings depend on your individual circumstances and are not guaranteed.
Financial advisor and CPA under one roof. One relationship, one strategy, built to catch the savings that slip through when two professionals work separately.
Prepares your tax return after the year is already over.
Wealth management and tax planning coordinated under one relationship, all year.
Manages your investments without seeing your tax situation.
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 estimate your lifetime tax bill and find ways it may be lowered.
Flat fee · credited toward wealth management if you continue
One relationship for your investments, retirement income, and taxes, managed together year-round. Your personal tax return is included.
Fee based on assets we manage · no commissions
Not sure which fits? That’s what the free 30-minute call is for.
Financial & Tax Advisor
Most firms hand you to a CPA at tax time and a financial advisor the rest of the year. Anton holds the credentials and the responsibility for both: investments, taxes, and the planning that ties them together.
“Every investment decision has tax consequences. My job is to see both sides before we make a move.”
Anton Prokopenko, Financial & Tax Advisor
A 30-minute call to understand where you are: your tax situation, your investments, your retirement timeline, and what has (or hasn’t) worked with past advisors. No prep needed. Just bring your questions.
We go through your past tax returns, statements, and account documents side by side. This is where your taxes, investments, and retirement plan start working together.
You get a written plan that ties your tax decisions to your financial decisions: which accounts to draw from, whether a Roth conversion makes sense, how much to contribute, and when to sell. All in one place.
We don’t disappear between April and December. Quarterly check-ins, keeping your investment mix on target, tax projections, and moves made before deadlines, not after. Most clients are fully onboarded within two weeks.
Discover what coordinated planning may save you. A free 30-minute conversation, no obligation.
