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.
One move made at the wrong time can add thousands of dollars to your tax bill, and you often find out after it’s too late to change. 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
Inheriting an IRA
A big bonus or a strong business year
We’ve saved for decades. Now we’re not sure what to take out first, when to claim Social Security, or what it will cost us in tax.
Those decisions change your tax bill, your Medicare premiums, and what your heirs keep. We plan them together:
When to start Social Security
Which accounts to draw from, and in what order
Roth conversions in your lower-income years
Required IRS withdrawals, planned years ahead
Investments managed with your tax return in view
The result: retirement income that is predictable and tax-efficient, with your taxes and investments in one place.
Schedule your free consultation →Learn more about retirement planning →The business is doing well, but I don’t know what I owe until the year is over, and by then it’s too late to change it.
How you pay yourself, fund a retirement plan, and sell your business all land on one tax return. We plan them together, before the year starts:
How to pay yourself: salary, distributions, and timing
Retirement plan contributions (setting aside more before tax)
Which purchases to make this year and which to make next
Your own retirement and the eventual sale of your business
Investments managed with your tax return in view
The result: a tax bill set by design, not discovered, with your business and personal finances working as one plan.
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.
Potential savings depend on your individual circumstances and are not guaranteed.
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
Illinois-registered investment adviser, no commissions
NAPFA-Registered
Financial Advisor
Member: AICPA · Illinois CPA Society · NATP
“Every investment decision has tax consequences. My job is to see both sides before we make a move.”
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 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.
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 find where your taxes and investments can work 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.
