Tax Mitigation Planning
Taxes touch every decision. Our team designs proactive, year‑round strategies to reduce current and lifetime taxes—coordinating closely with your CPA, attorney, and investment plan.
What we do
- Credits & deductions: R&D, energy credits, cost segregation
- Retirement tax strategies: Roth conversions, NUA, RMD management, QCDs
- Capital gains & basis planning: Installment sales, QSBS, step‑up strategies
- Portfolio tax efficiency: Asset location, tax‑loss harvesting, distribution sequencing
- Entity & income structuring: S‑Corp vs. LLC, reasonable compensation, §199A optimization
- Trust & estate tax planning: Grantor vs. non‑grantor, IDGTs, charitable trusts, SLATs (via partners)
Deliverables
- Annual Tax Optimization Plan with quantified savings opportunities
- Quarterly tax reviews and tactical adjustments
- Year‑end playbook for deadlines and elections
Request a Tax Diagnostic
Our fee-based consultants are passionate about tax planning strategies for business owners.
Wealth Optimization
Overview
We design portfolios around after‑tax, after‑fee outcomes—not just headline returns.
What we do
- Asset location across taxable, tax‑deferred, and tax‑free accounts
- Factor, dividend, and muni optimization for tax efficiency
- Distribution sequencing and dynamic withdrawal strategies
- Liquidity planning for future exits and estate obligations
Deliverables
- After‑Tax Return Report and Asset Location Map
- IPS updated with tax‑aware constraints and rebalancing rules
Business Exit Planning
What is Exit Planning?
Exit Planning is the creation and execution of a strategy allowing owners to exit their businesses on their terms and conditions. It is an established process that creates a written roadmap or Exit Plan, involving efforts of several professions, facilitated and led by an Exit Planning advisor who ensures not only the plan creation but its timely execution.
Our unique Seven-Step Exit Planning Process:
1. Identify Owner Objectives- Create Exit Plans that are owner-centric: Each owner's unique goals determine the destination for each Exit Plan.
2. Quantify Business and Personal Resources- Establish the value of an owner's business immediately following goal setting, because business value is a critical component in an owner’s ability to meet personal exit objectives.
3. Maximize and Protect Business Value- Help owners protect existing business value and create customized plans to build value. After completing the first two steps, many owners find that the current business value will not yield the post-exit financial security they desire.
4. Business Continuity: Lifetime and At Death- Work with owners to protect their businesses, and their families if the owner does not live to transfer or sell the business. In the case of co-owned businesses, facilitate the lifetime departure of one owner in a way that is equitable to both the departing and remaining shareholders.
5. Personal Wealth and Estate Planning- Coordinate owners' plans for their businesses with their estate plans for their families.
6 Transfer Ownership to Insiders- Help owners who choose this exit path create a transfer plan that keeps owners in control of the business until they receive the entire purchase price.
7. Sale of Ownership to a Third Party- Help owners prepare themselves and their companies for sale if they desire to sell to a third party
Advantages of the Exit Planning Process:
Maximizes quantifiable and non-quantifiable value of:
- The business
- Keeping the business going longer
- Providing employees with a job
- Being an industry leader
Minimizes risk that:
- Owners will be unprepared
- Key people with hopes for the future will leave
- The child who takes over the business will fail
Maintains the owner's control of:
- The choice of the next owner
- Whether a change of ownership occurs during the owner's lifetime or at death
- How and when the owner leaves the business
- The terms on which the owner sells/transfers ownership
Estate Planning
Tax, Wealth & Estate Optimization = accumulation + conservation + management & distribution
There is a common misconception that an estate is simply property that one leaves at death. In reality, it is much more than that. In its broadest sense, the term estate planning encompasses the accumulation, conservation, management, and distribution of an estate. The overall purpose of the estate planning process is to develop a plan that will enhance and maintain the financial security for you and your family upon incapacitation or death.
Estate planning has come to include lifetime financial planning that may lead to increases in a client's estate as well as the conservation of existing assets. Estate planning should provide financial security during retirement years and facilitate the intended and orderly distribution of property.
Advantages of an optimized Estate Plan • property distribution according to your wishes • tax-saving options • appropriate ownership of assets • disability and last illness preparedness • liquidity needs assessment • personal peace of mind
Our Tax, Wealth & Estate Optimization Process
- Discovery & Data – goals, entities, statements, tax returns
- Diagnostics – tax exposure, after‑tax portfolio analysis, exit readiness
- Design – coordinated tax, wealth, and estate plan with quantified benefits
- Implement – sequencing, elections, entity updates, portfolio & trust funding
- Optimize – quarterly tax & portfolio reviews; annual strategy refresh
Begin with a Tax Diagnostic
Your Tax, Wealth, Exit, and Estate Planning Team:
Tax & Wealth Optimization Strategist (Our Role)
Financial Advisor*
Insurance Professionals*
Investment Counselor*
Attorney*
Accountant*
Bank Trust Officer*
*We team with your current tax, legal, and trust advisors, or we can provide quality professionals through our strategic affiliations.
Planning Engagements
Tax & Wealth Optimization Planning
Planner Client
Initial Planning Engagement $2500- $25,000
Annual Engagement Minimum $2000
Investor Client
Minimum investable assets: $200,000
Investment Management annual cost .60% - 1.25%
Situational Client
Minimum project fee: $1000
Hourly advice fees: Individuals $175, Families $250, Businesses $375
Business Planning
Exit • Growth • Start-up
Exit Phase
Immediate pre-sale planning or up to 10 years from the desired transfer date.
The costs typically run from .5% to 2% of Annual Gross Revenue.
Growth Phase
Minimum $1,000,000 Gross Revenue
Cost estimate: $10,000 - $50,000
Start-up Phase
Feasibility and Entity Set-up
Cost estimate: $5,000 - $25,000