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Retirement Tax Planning

Our firm offers annual tax planning as part of our comprehensive retirement planning services. While often overlooked, robust tax planning is one of the most valuable pieces of a complete financial plan, and we are excited to offer it to you.

What is tax planning? 

Tax planning refers to our review of your tax return to identify potential planning opportunities - both now and in the future - to keep your lifetime tax liability as low as possible. This is different than tax preparation (usually done by your CPA or an online service like TurboTax), which is focused on keeping you compliant with what the government thinks you owe each year.

Why is tax planning important? 

Taxes touch every part of your financial life. Your tax return is a financial fingerprint: it's completely unique to you, complete with valuable clues and information, all of which is buried in dozens of pages and hundreds of numbers. Understanding your return equips us to have more valuable and actionable conversations with you. Additionally, we can demystify the world of income taxes and help you understand this important piece of your financial picture.

Who is tax planning for? 

Everyone! Regardless of your income sources or filing status, nearly anyone who pays income taxes can benefit from having a professional review of your tax return to identify relevant planning opportunities. At worst, we'll review your return and conclude you are currently maximizing every available tax saving opportunity. That's great "peace of mind" news. Alternatively - and more frequently - we'll identify a handful of tax saving opportunities, both in the current year and in future years. When we talk about tax planning, we are talking about looking forward over the lifetime of your wealth and looking for ways to make sure you are not overpaying the IRS.

What kind of opportunities might be identified?

We will evaluate a number of opportunities during tax planning, including topics like most tax efficient retirement vehicles, deduction grouping, charitable giving strategies, capital harvesting (gains and losses), Roth IRA conversions, tax credit eligibility, reducing taxes on your lifetime of your wealth and looking for ways to make sure you are not overpaying the IRS.  We can run projections to see how potential changes (e.g., filing status, dependents, the sale of a business, stock option exercises, etc.) may impact your upcoming tax liability.

What do we need from you? 

An electronic PDF copy of your most recent tax return. That’s it. Get us a copy of that most recent tax return, and we will take it from there.

what's included:

  • One Federal Tax Return Review
  • One Tax Return Report
  • One Future Year Tax Return Projection
  • One consultation to present our analysis and recommendation(s)


  • We are a digital-first firm and willingness by you to conduct all meetings online or over the phone
  • This process is a collaboration. So, I expect you to provide information and share your thoughts in a timely manner, and to reach out when life changes.

Schedule a complimentary call to learn more