Pay less tax. Keep more of what you built.
Proactive tax management that coordinates income, investments, retirement accounts, and estate strategy into one plan.
Tax planning touches everything.
Most tax advice is reactive. A CPA files what happened last year. We look forward, coordinating across income timing, investment placement, Roth conversions, charitable strategy, and entity structure so the numbers work together before December 31.
Income Timing & Bracket Management
Controlling when income hits your return. Accelerating deductions, deferring income, and managing the gap between retirement and Social Security or RMDs.
Investment Tax Location
Placing the right assets in the right accounts. Tax-inefficient holdings in tax-deferred accounts, tax-efficient holdings in taxable accounts. It matters more than most realize.
Roth Conversion Strategy
Converting traditional IRA balances to Roth during low-income years. Paying tax now at a known rate to avoid higher rates later. Timing and amount matter.
Charitable Giving & QCDs
Qualified charitable distributions from IRAs after 70 1/2, donor-advised funds, bunching strategies, and appreciated stock donations. Tax-efficient generosity.
Business Entity & Compensation
For business owners: S-corp vs. LLC election, owner compensation optimization, retirement plan contributions, and pass-through deduction strategies.
Estate & Gift Tax Coordination
Lifetime gifting strategies, generation-skipping trusts, charitable remainder trusts, and planning around the 2026 TCJA sunset.
The gap between tax preparation and tax planning
Tax preparation records what already happened. Tax planning changes what will happen. The families we work with save tens of thousands over a decade, not through exotic strategies, but through disciplined coordination: harvesting losses when markets drop, converting to Roth when income dips, timing charitable gifts to maximize deductions, and sequencing withdrawals to stay in lower brackets. The savings compound because every dollar you keep earns returns.
Common Questions About Tax Planning
How does tax planning differ from tax preparation?
Tax preparation looks backward at what happened last year. Tax planning looks forward to minimize your lifetime tax burden. We coordinate income timing, Roth conversions, charitable giving, and investment placement across accounts proactively, not after the fact.
Do you work with my CPA?
Yes. We coordinate directly with your CPA or tax preparer. We handle the planning and strategy; they handle filing and compliance. This avoids gaps where neither side is thinking ahead.
What tax strategies do you use for retirees?
Roth conversion ladders during low-income years, qualified charitable distributions from IRAs, strategic withdrawal sequencing across taxable, tax-deferred, and tax-free accounts, and managing income to control Medicare IRMAA surcharges and ACA premium subsidies.
Should I worry about estate and gift taxes?
The federal estate tax exemption is $13.99 million per person in 2025, but it is scheduled to drop by roughly half in 2026 when the TCJA provisions sunset. Even if your estate is below the threshold, state taxes, income in respect of a decedent on inherited IRAs, and beneficiary tax brackets all matter.
Do you work with clients outside of Destin?
Yes. We are based in Destin, FL, and serve families along 30A and the Emerald Coast, but we work with clients nationwide. All meetings can be conducted virtually.
Learn More From Our Blog
Retirement Tax Hazards
The hidden tax traps that catch retirees off guard, from Social Security taxation to Medicare surcharges.
Read More →Qualified Charitable Distributions: How to Garner Tax Savings
Using QCDs from your IRA to satisfy RMDs and reduce taxable income after age 70 1/2.
Read More →How a Health Savings Account Fits Into Your Financial Planning Toolbox
The triple tax advantage of HSAs and how they serve as a stealth retirement account.
Read More →Key Tax and Retirement Savings Changes You Need to Know
Annual updates to contribution limits, tax brackets, and retirement plan rules.
Read More →Child and Dependent Care Tax Credit: Help for Families
Understanding dependent care credits and how they fit into your overall tax strategy.
Read More →Planning works best when it connects.
Stop giving the IRS more than you owe.
We will map out where the tax savings are, what needs to happen before year-end, and how to coordinate with your CPA.