Tax planning
The most valuable part of tax work is the part that happens before the year is over. It is the part most preparers never do.
Every dollar you own sits in one of three buckets, and the bucket decides what it costs you to use it: taxable, tax-deferred and tax-free. Most people have never been shown their own split. Planning starts there — with where your money actually is and how each piece is taxed when you touch it.
From that picture we build a specific plan: sequencing contributions and withdrawals, timing income so it lands in the lowest bracket available, using Roth conversions without tripping the IRMAA surcharge on Medicare two years later, and, for owners, choosing an entity and a compensation split that the tax code rewards. As a Tax Planning Certified Professional, Steve leads this from the whole financial picture rather than one return at a time.
Best for: Business owners, high-net-worth families, physicians and real estate investors — anyone whose tax is a large lifetime expense.
- Horizon
- Multi-year, not one filing
- Built by
- A Tax Planning Certified Professional
- Output
- A written, revisited plan
What this covers
- Multi-year tax projections and bracket management
- Roth conversion strategy, sized against IRMAA
- Withdrawal and contribution sequencing
- Entity selection and reasonable-compensation planning
- Cost segregation for real estate investors
- Capital gains, loss harvesting and timing
Important disclosures
This information is general and is not intended to be a substitute for specific individualized tax advice. Discuss your specific situation with a qualified tax advisor.
Next step
Start with a conversation, not a pitch.
An initial conversation, at no cost and no obligation. We look at what you have and how it is currently taxed before anyone recommends moving anything.
Scottsdale and the greater Phoenix valley · Monday to Friday, 9am to 5pm