Tax Strategy That
Looks Years Ahead
Proactive, multi-year tax planning structured with your CPA: designed to address future tax exposures before they build, not just manage this year’s return.
Our Approach
The most expensive tax problems are the ones you do not see coming.
Most tax conversations are backward-looking. We work forward. We model your tax picture not just for this year, but across the full length of your financial plan and, where relevant, into the next chapter for your family. The further ahead we can see, the more options you have.
We work with your CPA to align this year’s and next year’s planning together, coordinating investment decisions, income timing, and planning moves across both years so nothing falls between filing seasons.
What Tax Strategy Covers
MULTI-YEAR TAX PROJECTION:
INVESTMENT TAX EFFICIENCY:
INCOME PLANNING:
RETIREMENT DISTRIBUTION STRATEGY:
INHERITED IRA PLANNING:
BUSINESS TAX PLANNING:
ESTATE AND GIFT TAX PLANNING:
CHARITABLE STRATEGIES:
Roth Conversion: Making The Most Of Low-Tax Years
One of the most impactful planning opportunities we work with is the window between retirement and the start of Social Security and required minimum distributions. For many clients, this is a period of unusually low taxable income — sometimes the lowest they will see for the rest of their lives.
We model this window year by year and, where it makes sense, execute Roth conversions that fill lower tax brackets deliberately. The goal is not to convert everything at once but to recognize income strategically in each year of the window, reducing the traditional IRA balance that will eventually be subject to RMDs and smoothing the overall tax picture across retirement.
One client retired at 62 with a substantial IRA balance. Before Social Security and RMDs began, she had several years of unusually low income. We modeled her tax picture across that entire window and executed a series of annual conversions, filling her lower brackets each year. By the time her RMDs began, her required distributions were meaningfully smaller. The Roth assets now grow tax-free and transfer to her heirs with far less tax complexity.
Working With Your CPA
FAQs
Q: Do you prepare tax returns?
A: No. We provide tax strategy and planning alongside your CPA. We communicate throughout the year, not just at tax time.
Q: What is a deferred tax exposure?
A: A deferred tax exposure is a future liability that builds quietly: IRA distributions that compress into a narrow window, income that arrives in a single year, or conversion opportunities missed during low-income years. We model forward to find them early, while you still have options..
Q: How far out do you project taxes?
A: Through the full length of your financial plan and, where relevant, into the next chapter of your family’s financial picture.
Q: What is a Roth conversion strategy?
A: A Roth conversion moves money from a traditional IRA to a Roth IRA. You pay income tax on the converted amount now, but the funds grow tax-free and are not subject to required minimum distributions. We execute conversions strategically during low-income years, particularly the window between retirement and the start of Social Security and RMDs, to smooth your overall tax picture across retirement.
Q: How do you handle inherited IRA distributions?
A: We model your income across the full 10-year distribution window required under current law. We identify years where income will be lower and structure distributions to recognize income in those years intentionally, smoothing the overall tax impact rather than allowing it to compress into high-income years.
Q: Can you help with business sale tax complexity?
A: Yes. Structuring and timing a business exit around tax outcomes is one of the most impactful planning engagements we handle, structured alongside your CPA and transaction attorney.
Q: Where are your clients located?
A: Austin, across Texas, and nationally.
Insights
Clear thinking for complex financial decisions.
