Good numbers are only useful if they help you decide. We help families plan for retirement, education, and life changes, and we help business owners choose the right structure and get ready for big moves like buying, selling, or bringing in partners.
Personal and family planning
We look at your whole financial picture through a tax lens, so decisions about retirement, family, and investments work together.
- Retirement planning: 401(k), IRA, Roth IRA, SEP IRA, and solo 401(k) contributions, Roth conversions, and required minimum distributions
- Pensions and retirement income: Social Security timing, pension payouts, and how they are taxed
- Health Savings Accounts (HSAs): contribution limits, tax-free withdrawals, and how they fit with your health plan
- Education planning: 529 college savings plans, education tax credits, and student loan interest
- Accounts for children, including Trump accounts
- Stock options, RSUs, and ESPP: when to exercise or sell, and the alternative minimum tax
- Taxes on investments: capital gains and losses, wash sales, crypto, and the tax effect of selling before or after year-end
- Charitable giving: donating appreciated stock, donor-advised funds, and qualified charitable distributions from an IRA after age 70½
- Estate planning with your attorney: lifetime gifts, beneficiary designations, and trusts
- Elder and special needs planning: medical and long-term care costs, ABLE accounts, and Medicare premium surcharges
- Life events: marriage, a new child, divorce, buying or selling a home, and moving to another state
- Cash flow, budgets, and a clear picture of what you own and owe
Business planning
We plan with you during the year, not just at tax time, so the business keeps more of what it earns.
- Tax projections and quarterly estimates, plus planning before big decisions: buying property or equipment, hiring, expanding, or selling
- Entity structure and owner pay: LLC, S corporation, or C corporation, and a reasonable salary for S corporation owners
- Deductions and credits: QBI, Section 179 and bonus depreciation, accountable plans for home office and vehicle, and R&D and Work Opportunity credits
- Benefits: retirement plans for the business (SEP IRA, SIMPLE IRA, 401(k), and cash balance plans), health insurance and HRAs, and hiring family members
- Growing into other states: where you owe income, sales, and payroll taxes
- Budgets, cash flow, financial statements, and projections for bank and SBA loans
- Real estate (cost segregation and holding structures) and succession planning for passing the business to family or key employees
Transactions and growth
- Buying or selling a business: tax structure of the deal and what it means for each side
- Financial due diligence and quality of earnings support for buyers, sellers, and their advisers
- Bringing in partners or rewarding key employees: profits interests and ownership tables
- Cost and profitability analysis by location, service, or customer
We do not sell investments or insurance and do not manage investment accounts. Our advice covers the tax and financial-planning side of your decisions, and we work alongside your financial adviser, attorney, and insurance agent.