Most tax planning happens in April. The work that compounds happens the rest of the year.
Filing a return is not tax planning. Tax planning is the year-round set of decisions — bracket management, deferral, harvesting, charitable strategies, Roth conversions, equity-comp timing — that decide what your effective rate actually is.
Map your tax yearYour CPA files. Your advisor invests. Nobody plans.
Most high-income households have a CPA who files an excellent return and an investment advisor who manages an excellent portfolio. What they don’t have is anyone who is responsible for the year-round decisions that connect the two.
Bracket management. Roth conversion windows. Charitable bunching. Equity-comp timing. AMT exposure. Tax-loss harvesting. Each of these is a decision that, made together, is worth more than the sum of the parts. Made separately, they often cancel each other out.
Each one is year-round.
The list below is not novel. The novelty is holding all of them in one frame, refreshed quarterly, and tied to the rest of the financial plan — so the tax move never gets undone by an investment move it didn’t know about.
Tax strategy is continuous.
If your tax planning happens in April with your CPA and the rest of the year with no one, the gap is real. We’ll map your year, surface the windows, and put the moves on a calendar tied to the rest of your plan.