Navigating a clear course toward your financial security.

Tax Planning & Preparation

"Over and over again courts have said that there is nothing sinister in so arranging one's affairs as to keep taxes as low as possible. Everybody does so, rich or poor; and all do right, for nobody owes any public duty to pay more than the law demands."     -- Hon. Learned Hand, Judge of the U.S. Court of Appeals (1924-1951)

Virtually every financial planning decision has a tax consequence in some respect, either short-term or long-term.  With this in mind, tax planning is an integral part of every financial plan.

Major Tax Planning Areas

Major tax planning areas reviewed as part of a financial plan include:

  • Income taxes on earned income, and the associated marginal tax bracket
  • Income taxes generated from unearned income, such as interest and dividends
  • Whether or not municipal bonds are appropriate investments in order to save on taxes
  • Whether stock options should be exercised, and the associated tax implications
  • Maximizing the use of long-term capital gains to reduce taxes
  • Categorization of expenses on one’s tax return to minimize taxes
  • Possible Alternative Minimum Tax (AMT) issues
  • Charitable contribution methods to maximize tax savings
  • Loan refinancing to maximize tax savings
  • And the list goes on…

Since tax planning and tax preparation are important parts of long-term client relationships, we stay abreast of the ever-changing tax laws for you.

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