What we do

Tax Planning

Year-round tax planning that pays for itself. Quarterly check-ins, scenario modeling, and proactive advice on the events that actually move the needle — entity changes, retirement contributions, equity comp, real estate, and major life transitions.

Quarterly tax projections

Each quarter we model year-to-date results against full-year projections, calculate estimated payments using current-year numbers (not last year's), and identify decisions you can still make to lower the bill — before they're locked in by December 31.

Estimated taxes done right

Federal and state quarterly estimates calibrated to your actual year, with safe-harbor analysis when income is volatile. Reminders before each deadline (April, June, September, January) and adjustments based on what's happened since.

Entity selection and structure

Should your LLC elect S-corp status? Should you spin out a separate entity for a new business line? Should ownership be reorganized before a sale or partner change? We model multi-year tax impact, not just first-year savings.

Retirement and tax-deferred savings

Solo 401(k), SEP-IRA, traditional and Roth IRA, after-tax 401(k) and the mega-backdoor Roth — mapped to your income, age, and entity. For owners, retirement strategy is often the single biggest tax tool available.

Equity compensation

RSU vesting, NSO and ISO exercise timing, AMT exposure, qualified small business stock (QSBS / Section 1202), 83(b) elections, and ESPP dispositions. We coordinate with your equity-grant calendar so vest and exercise decisions account for tax.

Real estate strategy

Rental property depreciation, cost-segregation studies, passive-activity rules, real-estate professional status, 1031 like-kind exchanges, and short-term-rental rules. We help decide whether properties belong in your name, an LLC, or a holding entity.

Life events and major transactions

Marriage, divorce, new child, home purchase or sale, inheritance, business sale, relocation across states or countries — each creates planning opportunities and pitfalls. We model the tax impact before the event so the structure is right from day one.

Charitable giving, HSAs, and education

Donor-advised funds, qualified charitable distributions from IRAs (QCDs), bunching strategies, HSA triple-tax-advantage planning, and 529 contributions and gifting. Small moves with outsized long-term effects.

Multi-year and lifetime planning

Beyond the current year: Roth conversion ladders, capital-gains harvesting, bracket management across retirement transitions, and estate-tax basics. We zoom out to the next five to ten years, not just this April.

Who this service is for

  • Business owners and self-employed professionals
  • High-W-2 earners with equity comp or significant investment activity
  • Real estate investors growing their portfolio
  • Anyone navigating a major life or business transition
  • Pre-retirees thinking about Roth conversions and bracket management
  • Families planning education funding or generational transfer

What we'll discuss in our first session

  • Your most recent two years of returns
  • Current year-to-date pay stubs, K-1s, or business P&L
  • Equity-grant agreements (vest schedules, exercise prices, AMT history)
  • Retirement account balances and contribution history
  • Outstanding loans and major expected cash needs
  • Goals — what 'success' looks like in 1, 3, and 10 years

How we price

Tax planning is offered as a monthly retainer for ongoing strategic support, or as a one-time engagement for a specific decision (S-corp election analysis, equity-comp strategy, real-estate transaction). Quoted upfront after a free scoping call so you know exactly what's included.

Common questions

Is tax planning the same as tax preparation?
No. Preparation is filing what already happened. Planning is changing what's about to happen so the next return is smaller. The two complement each other — and we offer both.
When should I start tax planning?
Ideally well before the event — before exercising options, selling a property, or electing S-corp status. The earlier the conversation, the more options remain on the table.
How is this different from a financial advisor?
Financial advisors focus on investments and overall financial planning. We focus specifically on the tax consequences of every move. The two roles work best together — and we'll happily coordinate with yours.
Do I need both planning and preparation from you?
Not at all. Many planning clients prepare their own returns or use someone else; many prep clients don't need year-round planning. Mix to fit your needs.

Ready to get started?

Book a free 15-minute consultation. No obligation, no sales pitch — just a clear next step

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