Tax-Efficient Planning

Nobody likes to leave money on the table. Especially if they earned it. This pillar of the Harmony FORMula helps you uncover strategies designed to minimize tax impact today and in retirement.

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Make informed decisions

You can’t avoid taxes, but you can plan ahead to mitigate unnecessary tax burdens and maximize your retirement income. Tax-efficient planning is all about managing your accounts and being mindful of their tax statuses to be strategic with your hard-earned wealth. Our team is well versed in the intersection of tax-advantaged planning and wealth management. We’re not CPAs but are happy to work with yours or introduce you to one if needed.

What We Do

Tax-Efficent Strategy Analysis

Collaboration with CPAs

Project Retirement Tax Scenarios

Assess Roth Conversion Opportunities

Tax-Efficient Planning – Part of A Harmonized Strategy

Tax-Efficient Planning is a strong consideration for your overarching financial plan because taxes impact your Wealth, Income, Legacy, and more. We look every part of your financial life before building retirement plans because we want to help you coordinate everything to move toward your future goals.

When you work with us, we will look at seven service pillars and follow a process of Discover→Design→Deploy to build an intentional plan aligned with what matters most to you. We call this proprietary planning process the Harmony FORMula.

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Independent Advisors

We’re not beholden to any one company, so we can truly give you objective analysis.

Professional Partnerships

We work closely with our home office partner on complex cases to make sure we’re doing what’s in your best interest.

Your Team

As your financial advisor, we will work with anyone else on financial team. With your introduction, we’ll happily work with your CPAs, Attorneys, etc.

What’s the difference between tax-efficient planning and tax preparation?

Tax-efficient planning looks ahead; tax preparation reports what already happened.

Do you prepare tax returns?

No. We are not CPAs – we focus on tax-efficient retirement strategy (especially within financial accounts) and work alongside your tax professional. We keep an eye out for tax efficiencies and impacts. We do have CPAs we work closely with that can help if you are looking for those services.

Is there a cost for the Holistiplan analysis?

For our clients, this analysis is included as part of our comprehensive planning services.

How do you work with my existing CPA?

If you want us to, we happily collaborate directly to align strategies and avoid missed opportunities.

What if I don’t have a CPA?

We can connect you with one of trusted professional CPAs if needed.

When is the best time to do tax-efficient planning?

Taxes are something to be paid attention to year-round. Proactive planning works best before decisions are made.

Do I need tax-efficient planning if I’m not retired yet?

Yes! Early planning may impact long-term tax outcomes.

What is the biggest tax mistake you see people make?

Making financial decisions without considering future tax consequences. In our world, that starts with education and thoughtful planning to make sure you are aware of all options and the potential future impacts of your decisions. We believe in tax diversification just as much as diversification in your investment portfolio.

How do tax laws affect my retirement plan?

Changing laws can greatly impact your future income during retirement, as well as the potential tax burden your heirs may be left with one day. It is important to remmeber that we do not provide tax planning advice or services. For specific questions on tax laws and how they may impact your situation, please consult a qualified tax advisor or CPA.

Want to get a tax-efficient strategy analysis from our advisors?

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