Tax Strategy & Preparation

Roth conversions paired with offsets that recover most of the tax cost. Direct indexing that harvests losses for years, not minutes. Real-estate depreciation flow-through coordinated with the rest of your portfolio. Business-owner structures (family-management LLCs, Roth-401(k) ownership, kiddie-tax W-2) built to survive a CPA review. And the through-line behind all of it: planning that runs year-round, so April is a formality instead of a reckoning.

We read your last three years of returns alongside your investment statements and business documents, the full picture most advisors never ask to see. From there we identify the moves that actually change your number, sequence them by the calendar (some must happen before year-end, some can wait), and execute alongside whoever prepares your return. Increasingly, that's us.

Say you convert $300,000 to a Roth and your CPA quotes $100,000 in tax. We run a direct-indexing harvest, layer in first-year real-estate depreciation, and add alternative income with favorable treatment, all inside the same tax year. The conversion still happens in full, but the net after-tax cost can land in the low five figures instead of the six. The exact result depends on your situation; the point is that the bill was never as fixed as it looked.

We don't fire your CPA. Most clients keep theirs. We bring the strategy, they file the return, and for the first time the two are actually coordinated. As our in-house tax preparation comes fully online, you'll have the option to consolidate everything under one roof. Either way, the strategy and the filing finally speak to each other instead of meeting for the first time in April.

Anyone staring down a six-figure tax event: a Roth conversion, a business sale, a real-estate disposition, a concentrated-stock unwind. Business owners who suspect their peers are using strategies their own CPA has never mentioned. Retirees navigating the low-income window between their last paycheck and their first required distribution.