Taxes Matter

Taxes touch nearly every part of your financial life, from the investments you own and the accounts you save into to how you generate retirement income, exercise stock options, give to charity, and eventually transfer wealth.

Does Your Advisor Talk About Taxes?

Taxes are often treated as a separate conversation from financial planning, but many of the decisions your advisor helps you make can have meaningful tax consequences. In this video, Bryan Yach, CFP® explains why tax planning deserves a seat at the table and how your advisor, CPA, and attorney can work together.

Tax Planning Is More Than Filing a Tax Return

Tax preparation looks backward.

Tax planning looks forward.

Your tax professional may do an excellent job preparing your return, but many of the most important tax decisions happen before the return is prepared.

For example:

Should you realize a capital gain this year or next?
Does a Roth conversion make sense?
Which account should fund your retirement spending?
Should charitable gifts come from cash, appreciated investments, or an IRA?
Where should different investments be held?
How could a large bonus, stock award, business transaction, or retirement distribution affect the rest of your financial plan?

Those aren't simply tax questions. They're financial planning questions with tax consequences.

Retirement

Roth conversions, account selection, savings strategies, and when qualified retirement accounts may or may not make sense.

Tax Efficient Investing

Capital gains, tax-loss harvesting, asset location, direct-indexing tax deferral and tax-aware investment decisions.

Income Tax Planning

Wages, bonuses, retirement income, Social Security, and investment income.

Charitable

QCDs, donor-advised funds, appreciated securities, and tax-efficient giving strategies.

Equity Compensation

Stock options, restricted stock, deferred compensation, and concentrated company stock.

Estate & Legacy

Beneficiaries, inherited assets, gifting strategies, and coordination with your estate and tax professionals.

Bring Taxes Into the Planning Conversation

Tax decisions are rarely isolated from the rest of your financial life. We help you consider the tax impact of retirement, investments, income, charitable giving, and estate planning as part of one coordinated strategy.

Start a Conversation