TAX ANALYSIS THAT PUTS YOU FIRST

Minimizing lifetime taxes with a more efficient and effective approach

RETIREMENT PLANNING          TAX STRATEGIES          INVESTMENT ANALYSIS          ESTATE PLANNING          INSURANCE CONSULTING          401(K) FIDUCIARY CONSULTING          BUSINESS AND EXIT PLANNING

OVERVIEW

Meeting with your CPA in April to prepare and discuss your tax return is usually too late (and often too rushed) to do effective tax planning. By understanding your current tax situation and likely future tax situation, we can seek opportunities to save substantial taxes over time. Our complex Federal tax system can produce fundamentally unfair results for many taxpayers. Planning with available techniques can significantly reduce your lifetime tax burden.

Tax Efficient Investment Strategies

TAX REPORTING & PREPARATION

Get it done right … the first time! 

Common ownership with CPA firm Jim Oliver & Associates, P.C. allows us to leverage that expertise in individual, small business, partnership, trusts, estates and nonprofits. Our close relationship streamlines reporting and promotes planning interaction throughout the year.

TAX SHELTERS & DEFERRAL

The right tools produce the best results—lower lifetime taxes! 

Retirement plans (e.g. IRA, Roth, 401(k)) can shift income between tax years, protect assets from creditors and shelter income over years or even decades. Employment circumstances, income levels and other factors may limit the available options that make sense. We started in 2010 making Roth conversions (paying tax on an IRA now to allow it to grow tax free for your lifetime) a major focus of our lifetime tax planning. Unique benefits of Roth conversions increase their planning appeal. Combining other planning techniques can smooth the tax curve even more.

20 YEAR TAX PROJECTIONS

You can’t see the future … but let’s try! 

Today’s tax deferral decisions could be a great idea (if taxes will be higher later) or a terrible mistake (if taxes will be lower). Ideally, if you could, you would add up your total lifetime income and equally divide it over each year of your life. That income smoothing yields the lowest annual income and therefore results in the lowest overall tax bill. We can’t perfectly do that, but we can still try. With a 20 year projection, a clearer picture emerges providing a framework for today’s decisions.

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