We treat tax planning as a year-round discipline — not a spring ritual. The best moves happen before December, not after.
The marginal rate paid by the highest earners — and why strategy matters more at the top.
Tax strategy reviewed annually and after major life events — marriage, business sale, inheritance, retirement.
Most people file a tax return. We build a tax strategy that works all year long.
Where you hold an asset matters as much as what you hold.
When markets dip, we help turn volatility into a tax asset by harvesting losses that offset gains elsewhere in your portfolio.
Converting traditional IRA assets to Roth may make sense when your current tax rate is lower than your projected future rate.
A Roth conversion is a taxable event. It is recommended that you consult a tax advisor to understand how a Roth conversion specifically impacts your tax situation and to avoid underpayment penalties.
Donating appreciated securities eliminates capital gains tax entirely.
The Sec.
Required Minimum Distributions create forced taxable income beginning at age 73.
The 3.8% Net Investment Income Tax layers on top of capital gains for higher earners.
Tax opportunities are time-sensitive. Miss the window and they're gone for the year. Here are the key moments we plan around with every client.
IRA and HSA windows reset for the new tax year.
Returns due.
Year-to-date income is now visible.
The most important planning window of the year begins.
Execute loss harvesting, confirm RMD amounts, and finalize charitable giving plans before year-end deadlines close in.
Final day for Roth conversions, RMDs, loss harvesting, charitable donations, and retirement contributions.
A job change, business sale, inheritance, or marriage can shift your entire tax picture.
Every year without a coordinated tax plan is a year of unnecessary leakage. A single well-timed move can be worth more than a year of investment returns. Let's find yours.
Important Disclosure: Matthew Pindoley is a financial advisor, not a Certified Public Accountant (CPA) or tax advisor. The information on this page is intended for educational purposes only and does not constitute tax advice. Tax laws are complex and subject to change. Please consult a qualified tax professional before making any tax-related decisions.