Taxes Influence Nearly Every Major Financial Decision
Tax preparation reports what has already happened. Tax planning focuses on future decisions.
Investment transactions, retirement withdrawals, stock compensation, and charitable giving all carry tax consequences. Many planning opportunities arise long before a tax return is filed.
Tax planning focuses on identifying those opportunities early and coordinating them with the broader financial plan.
Common Tax Planning Strategies
Tax planning strategies are evaluated within your broader financial plan, rather than implemented in isolation.
These include:
- Roth conversion planning
- Asset location across taxable and retirement accounts
- Capital gains harvesting
- Tax loss harvesting
- Charitable bunching strategies
- Donor-advised fund planning
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