Wealth management, in plain English: your investments managed, your finances planned, and your retirement income planned, all together. Most firms stop there. Here, the same fee-only fiduciary also prepares your tax return, so your tax bracket, retirement timeline, and business cash flow shape how your money is invested. No commissions.
Is this you?
For most people, money is handled by two professionals who rarely compare notes. Your advisor makes investment decisions without your tax return in front of them. Your CPA sees the results in April, after the decisions are already made.
When one firm manages your investments and prepares your tax return, every sale, withdrawal, and Roth conversion is weighed against your real tax picture before it happens, not after.
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So investment decisions get made without knowing your bracket, your deductions, or what next year looks like.
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Between advisory fees, fund expenses, and commissions, it can be hard to tell what your advice really costs.
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Old 401(k)s, IRAs, and brokerage accounts in different places, with no one looking at how they fit together.
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Selling or rebalancing in a taxable account can create gains that only show up months later on your tax return.
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You have plenty of statements, but no clear answer on when you can stop working or how much you can spend.
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You’ve handled it for years, but the stakes and the paperwork keep growing.
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 Every time investments are bought or sold, or money is withdrawn, converted, or added to an account, there are tax consequences, and they grow as your wealth grows.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.
As an ongoing wealth management client, your Retirement Tax & Income Review and your personal tax return (Form 1040) are included with no separate fee. Business tax returns are billed separately.
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.
Don’t see your question? Call the office at 815-459-4300 or send us a message.
It means the only compensation we receive comes from our clients. We don’t earn commissions, and we aren’t paid to recommend any product, so our advice isn’t tied to anything we sell.
Our fee is a percentage of the assets we manage. We go over the exact number on your first call, and full details are in our Form ADV brochures, linked at the bottom of every page.
As an ongoing wealth management client, your Retirement Tax & Income Review and your personal tax return (Form 1040) are included with no separate fee. Business tax returns are billed separately.
Yes. Sansone CPA & Financial is an investment adviser registered with the State of Illinois, and we act as a fiduciary. Our advice has to put your interests first.
Your accounts stay in your name at Charles Schwab, an independent custodian. You get statements directly from Schwab and can log in to see your accounts any time.
Almost every investment decision has a tax consequence: selling, rebalancing, withdrawing, converting to a Roth. When one firm handles both, those decisions are made with your tax return in view instead of discovered next April. One team, one plan.
It’s a free 30-minute conversation about where you are today: your tax situation, your investments, your retirement timeline, and what has or hasn’t worked with past advisors. Send last year’s tax return beforehand (you’ll get a secure upload link when you schedule) so Anton can give you real answers, and bring your questions. Investment and retirement account statements are welcome too, but optional.
Our office is in Crystal Lake, and we work with clients across McHenry and Kane counties, including Huntley, Algonquin, and Lake in the Hills.
It means we don’t work for a bank, brokerage firm, or insurance company, and no parent company tells us what to recommend. We have no products of our own to sell, we don’t earn commissions, and our only compensation comes from our clients. Your money is held at Charles Schwab, an independent custodian, in accounts in your name. Because of that, our advice can be built around your situation, your tax return, and your goals, rather than a product list.
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.
