Tax-loss harvesting, Roth conversion analysis, asset location, and realization timing — coordinated with your CPA through the whole year, so the return records a year of deliberate choices instead of a year of defaults.
"A tax return is a record of decisions — most of them already missed."
Most tax "planning" happens in the two weeks before a filing deadline, which is to say it isn't planning at all. By April the year is over: the gains are realized, the conversion windows are shut, the losses that could have been harvested expired unpicked in November. The return simply reports what happened — and what happened, for most households, is whatever the defaults did.
We run tax as a standing discipline inside the plan instead. Every rebalance is checked for its tax consequence before it happens. Every autumn, the harvest is walked. Every year, the conversion question is asked with numbers on the table. None of it is heroic; all of it compounds.
The result is not aggressive. It's deliberate: a return your CPA can defend line by line, produced by a year in which every taxable event had a reason — and a record.
The rhythm repeats every year you're a client — and every year it's written down.
Contribution windows opened, location reviewed against any new accounts or law, last year’s return reconciled against the ledger — line by line.
Rebalances select lots deliberately; drawdowns are met with the harvest list, not panic. Each taxable event carries its reason into the record.
Bracket space is measured, the Roth conversion modeled, charitable and gain timing set — while there’s still a year left to act in.
Everything decided, documented, and delivered to your preparer. April becomes what it should be: paperwork, not regret.
Chapter VI of your folio. Surfaced by us, decided with your tax professional.
Losses are banked when markets hand them over — not remembered in December. Wash-sale windows are tracked, replacement exposure is held, and every harvest is logged with the gain it offsets.
Each year we model the conversion window against your bracket, IRMAA thresholds, and the decades after — then put the trade-off in front of you and your CPA as a number, not a hunch.
What you own matters; where you hold it decides what you keep. Income-heavy assets sit in deferred accounts, growth in Roth, tax-efficient exposure in taxable — reviewed as accounts and law change.
Gains are taken when the plan calls for them and the bracket can bear them — coordinated with charitable timing and, in RMD years, with the distributions themselves. April inherits the result.
We don't prepare returns and we don't practice law. We make sure what lands on your preparer's desk reflects a year of decisions, not surprises.
Tax coordination only works if the person filing the return sees the whole picture. So we work with your tax professional directly — yours, not one we're paid to recommend — and we put the year's reasoning in their hands before the deadline does.
Realized gains and losses, harvests and their offsets, conversion analysis, charitable timing — assembled and sent to your preparer.
We surface the opportunity and the trade-off; you and your tax professional make the call. Every recommendation says so explicitly.
We don’t prepare returns — but advisory clients receive an annual reimbursement toward a qualified preparer of their choosing — up to $400 under $1M in assets, up to $825 at $1M and above.
No preparer pays us, and we pay none. The recommendation to consult yours is exactly as disinterested as it sounds.
Bring last year's return. We'll walk through what a year of coordination would have changed — plainly, and at no cost.
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