Sansone CPA & Financial brings fee-only wealth management and tax planning under one roof, for Lake in the Hills families, pre-retirees, and business owners who are tired of fragmented advice.
Financial & Tax Advisor
Anton specializes in retirement planning, business tax strategy, and personalized financial advice designed to reduce taxes and support long-term financial goals. Whether you’re a solo entrepreneur, a growing practice, or planning for life after work, he delivers clear, actionable guidance tailored to your situation.
Most advisors specialize in either taxes or investments. Anton holds the credentials and the responsibility for both, which is what lets Sansone coordinate the two sides of your financial life under a single strategy.
“If your CPA and your advisor don’t talk to each other, you’re paying for two opinions that might contradict each other. I’d rather give you one full opinion.”
Anton Prokopenko, MBA, CPA, CFP®, EA
Lake in the Hills sits just south of our Crystal Lake office. For many households here, this is the busiest stretch of financial life: two careers, kids at home, and retirement still ahead. The decisions come all at once, and each one changes the same tax return.
Childcare. A dependent care FSA and the childcare tax credit can both lower your taxes, but the same dollars can’t count twice. Which mix saves more depends on your income and how many children are in care.
Saving for college. Illinois gives a state income tax deduction for contributions to its own 529 plans, such as Bright Start. Growth is tax-free when the money is used for qualified education costs.
Retirement while raising kids. Take the full employer match first. Whether the rest goes in as Roth or pre-tax depends on your bracket today versus what you expect later, and the answer can change from year to year.
Investments outside your 401(k). Taxable accounts can create a tax bill even in years you don’t sell anything. Choosing which investments go in which account can keep more of the return.
A hypothetical example: a two-income couple has one child in daycare and another starting kindergarten. The dependent care FSA, a new 529 account, and their Roth or pre-tax 401(k) choice all land on one tax return, so we decide them together rather than one at a time.
We prepare your tax return and manage your investments in one relationship. See our tax preparation and tax planning services.
Based in Crystal Lake, working with clients across McHenry County and northern Kane County, in person at our Crystal Lake office or virtually.
Q.01
Our office is at 850 S McHenry Ave, Suite D, in Crystal Lake, about 10 minutes from the Lake in the Hills village hall. Take Algonquin Road to Randall Road, then go north to McHenry Avenue. Virtual meetings are available too.
Q.02
Often some of each. Expenses paid through the FSA can’t also count toward the credit, and FSA dollars reduce the expenses that qualify for it. FSA money comes out before tax, which tends to help more at higher incomes, so we compare both using your actual tax return.
Q.03
For most families saving for college, yes. Contributions to Illinois’s own 529 plans earn a state income tax deduction, and growth is tax-free when used for qualified education costs. The deduction applies only to Illinois-sponsored plans, so an out-of-state plan gives that up.
Q.04
Take the employer match first either way. Pre-tax saves more today when your bracket is high; Roth helps more if you expect a similar or higher bracket in retirement. Many mid-career households use a mix and revisit it each year.
Q.05
Mutual funds in taxable accounts pass out dividends and capital gains each year, and those are taxable even when reinvested. Fund choice, and which account holds which investment, can reduce that bill.
A free 30-minute call. No prep needed, just bring your questions.
