Investment management built around your real situation — your tax bracket, your retirement timeline, your business cash flow. Fee-only fiduciary advice, with no commissions.
What we do
An advisor who can’t see your tax return is only seeing half of your financial life. Every time investments are bought or sold, or money is withdrawn, converted, or added to an account, there are tax consequences — and they grow as your wealth grows.
We manage your investments with a full view of the tax side. That means holding each investment in the type of account where it’s taxed least, choosing on purpose when to take gains or losses, and pulling retirement income in an order that helps avoid tax surprises.
01
Deciding which investments belong in taxable, tax-deferred, and tax-free accounts, and using investment losses to offset taxable gains when it makes sense — all measured against your actual tax return.
02
Planning which accounts to withdraw from, and in what order, to help keep your taxes low and protect benefits like Social Security and Medicare.
03
A Roth conversion means paying tax on some IRA money now so it can grow and come out tax-free later. We look several years ahead to find when it makes sense — often the years between retiring and when the IRS requires withdrawals to begin.
04
For business owners and executives: when to sell, whether to spread a sale over several years, charitable options, and special tax breaks that may apply to small business stock.
05
Working with your attorney so the people named on your accounts, your trust, and the tax results all line up.
The hidden cost
Without coordination, tax-saving opportunities can be missed and tax surprises can happen.
A hypothetical example: in November, an advisor sells investments that have grown in value to bring the portfolio back to its target mix. Nobody tells the CPA. In March, the tax form arrives, and the client owes $14,000 more in taxes than expected.
When your advisor and your CPA work under one roof, that conversation happens before the sale — and the plan can be adjusted with the tax bill in view.
Discover what coordinated planning may save you. A free 30-minute conversation, no obligation.