• Strategies to maximize eligible deductions and credits, reducing your taxable income.

• This includes exploring opportunities such as contributions:

  • to retirement accounts (401k, IRA),

  • Health Savings Accounts (HSAs),

  • itemized deductions (e.g., mortgage interest, state and local taxes, charitable contributions),

  • and various tax credits like education credits, child tax credits, and energy credits.

​

We help identify all applicable tax breaks for your unique situation.

​

 

​

Forecasting your tax liability based on future income and financial scenarios, including:

​

• "What If" Scenarios: Analyzing the tax impact of potential future events like a significant bonus, starting a new business, or selling an asset.

​

• Multi-Year Tax Planning: Developing strategies that look beyond the current tax year to optimize long-term tax outcomes.

​

• Impact of Legislative Changes: Keeping you informed about proposed tax law changes and how they might affect your future tax liability.

​

• Estimated Tax Calculations: Helping self-employed individuals or those with significant other income accurately estimate and pay quarterly taxes to avoid penalties.

​

​

​

​

​

​

​

Guidance on capital gains, dividends, and other investment income to optimize after-tax returns, including:

​

• Capital Gains & Losses: Strategies for managing capital gains and losses, including tax-loss harvesting to offset gains and potentially ordinary income.

​

• Dividend Income: Advising on the different tax treatments of qualified vs. non-qualified dividends.

​

• Interest Income: Guidance on taxable vs. tax-exempt interest income from various investments.

​

• Cost Basis Methods: Helping you choose the most advantageous cost basis method for selling investments to minimize capital gains.

​

• Wash Sales: Understanding and avoiding wash sale rules to ensure disallowed losses are not a surprise.

​

• Alternative Investments: Tax considerations for unique investments like real estate, cryptocurrency, or private equity.

Tax-efficient strategies for 401(k)s, IRAs, and other retirement vehicles, including:

• Traditional vs. Roth: Guiding you through the tax advantages of pre-tax (Traditional) versus after-tax (Roth) contributions and withdrawals.

​

• Contribution Limits: Helping you understand and maximize your annual contribution limits for various plans to defer or reduce current income.

​

• Rollover Strategies: Advising on the tax implications and best practices for rolling over funds from old employer plans to new ones or IRAs.

​

• Required Minimum Distributions (RMDs): Planning for RMDs in retirement to minimize tax impact in later years.

​

• Backdoor Roth Conversions: Exploring advanced strategies like backdoor Roth conversions for those with higher incomes.

Advice for significant life changes such as marriage, buying a home, having children, or career changes, including:

​

• Marriage: Understanding how your filing status changes, potential impacts on deductions, and joint vs. separate filing considerations.

​

• Homeownership: Guidance on mortgage interest deductions, real estate taxes, and potential home energy credits.

​

• New Dependents: Explaining eligibility for child tax credits, dependent care credits, and other benefits for new family members.

​

• Career Changes: Advising on unemployment income, new job expenses, moving expenses, and adjustments to withholding.

​

• Education Expenses: Navigating tax credits or deductions for higher education costs for yourself or dependents.

​

• Inheritance & Gifts: Understanding the tax implications of receiving an inheritance or making/receiving large gifts.

• Proactive Approach: We help you plan ahead, not just react at tax time.

​

• Tailored Strategies: Solutions designed specifically for your individual financial circumstances and aspirations.

​

• Expert Knowledge: Benefit from our deep understanding of current and upcoming tax laws.

​

• Long-Term Savings: Identify opportunities to save money on taxes year after year.

​

• Peace of Mind: Gain confidence in your financial decisions with professional tax guidance.

​

• Holistic View: We consider your entire financial picture to provide comprehensive advice.