Tax planning that runs ahead of the return.
Multi-year tax projections, Roth conversion strategy, tax-loss harvesting and coordination with your CPA — designed to lower your lifetime tax bill, not just this year's.
Decisions made before December 31.
Multi-year projections
We model the next 10–20 years of taxes so you can see what your future self is actually paying.
Roth conversion strategy
Conversion windows mapped against bracket fills, IRMAA thresholds, and surviving-spouse risk.
Tax-loss harvesting
Lot-level harvesting and replacement that keeps you invested while banking the loss.
Asset location
The right account types hold the right assets — bonds in IRAs, equities in taxable, growth in Roth.
CPA coordination
We work directly with your accountant before year-end, not after the return is filed.
Withdrawal sequencing
For retirees, the order of accounts you draw from changes the math significantly.
From rearview to windshield.
Returns, tax forms, projections in one place.
We bring last year's return, this year's pay stubs, and a forward projection into a single view.
Bracket gaps, conversions, harvesting.
We identify the specific years and amounts where action moves the needle.
Action items closed by December.
Conversions processed, harvests booked, gifts completed — before the calendar runs out.
For households whose taxes are about to get more complex.
- Pre-retirees with large traditional IRA or 401(k) balances facing future RMDs
- Executives with concentrated stock or unusual income years
- Retirees managing IRMAA, Social Security taxation, and bracket creep
- Recent retirees in the conversion-window years between retirement and RMDs
- Anyone whose CPA "just files the return" and never plans ahead