The Tax You'll Pay Over the Next 30 Years Is a Choice.
Most high-asset families overpay six- and seven-figures in lifetime tax — not because of what they own, but because of how it's sequenced, converted, and coordinated. We build the multi-year tax architecture your CPA isn't paid to design.
- Withdrawal sequencing across taxable and tax-deferred accounts
- Direct coordination with your CPA and estate attorney
- Charitable and generational tax strategy that aligns with your estate plan
A $2M IRA, untouched until RMDs.
Two identical retirees. One does nothing. One executes a coordinated, multi-decade withdrawal and tax plan. Same starting balance, same returns.
Illustrative only. Actual outcomes depend on individual circumstances, returns, and tax law. We model your specific numbers before any recommendation.
A coordinated tax architecture — not a year-end scramble.
Withdrawal Sequencing
Which account, which year, which dollar — coordinated across your taxable and tax-deferred buckets to flatten your effective bracket through retirement.
CPA & Attorney Coordination
We work directly with your existing CPA and estate attorney — sharing models, projections, and tax-position memos so every decision is aligned across your team.
Charitable & Generational Strategy
DAFs, CRTs, QCDs, and bunching strategies that turn intended giving into a tax-efficient transfer engine. Coordinated with your estate plan, not bolted on.
Different decades. Different levers.
The right move at 58 is the wrong move at 73. We map your tax strategy to the window you're in — and the windows that are coming.
We don't replace your CPA — we make their job easier.
Your CPA files the return. Your attorney drafts the documents. We design the strategy that drives both — and we share the work in writing so nothing gets lost in translation.
- Quarterly tax-position memos sent to your CPA
- Pre-December projection meetings with your full team
- Coordinated estate-tax modeling with your attorney
- Single source of truth across investment, tax, and estate decisions
Who this is — and isn't — for.
- $1M+ in investable assets, with meaningful tax-deferred balances
- An existing CPA you trust — and want us to coordinate with
- 10+ year retirement horizon where compounding tax savings matter
- A desire for a coordinated income, tax, and estate plan in one place
- Looking for a one-time tax filing or quick refund optimization
- Comfortable with a generic target-date fund and no coordination
- Not interested in disclosing your full financial picture
Common questions.
Do you replace my CPA?+
No — we coordinate with them. Your CPA handles compliance and filing; we handle the strategy and projections that drive the numbers your CPA reports. We routinely send proactive memos before December and before April so nothing is reactive.
How do you measure tax savings?+
Lifetime tax projection — not just this year. We model your projected federal and state tax across a 30-year horizon under multiple scenarios so the dollar impact is concrete.
What's the asset minimum to work with you?+
We're most effective for households with $1M+ in investable assets, where coordinated tax planning meaningfully outweighs the cost. We're transparent on the first call — if we're not the right fit, we'll tell you.
How are you compensated?+
Full disclosure of any product commissions on every recommendation. Tax planning work is included — it is the planning, not an upsell.
See your lifetime tax projection — modeled on your actual numbers.
A complimentary Tax Architecture Review walks you through your projected lifetime federal and state tax under your current trajectory — and what a coordinated plan would do to it. Confidential, no obligation, and available only to households with $1M+ in investable assets.
Request My ReviewOr call (262) 628-1618