Proactive, year-round tax strategy woven into your financial plan, not a once-a-year scramble every April.
From when you convert to a Roth, to which account you draw from in retirement, to how you time a business sale, tax decisions touch every part of your plan.
Max Ramirez, EA. IRS Enrolled Agent on staff, working alongside CFP® Chase Grundy on every client's tax strategy.
Tax planning runs alongside your financial plan from day one, whether it's part of a full financial planning engagement or a standalone service.
Every financial planning relationship starts with a full review of your tax situation: your bracket, account types, prior returns, and any pending decisions like an upcoming Roth conversion or business sale.
Rather than looking at this year alone, we project your tax picture forward several years, so today's decisions account for what's coming: RMDs, Medicare surcharges, and bracket changes.
Roth conversions, tax-loss harvesting, capital gains timing, RMD planning: we model the specific strategies that apply to your situation and show you the numbers before recommending anything.
Max Ramirez, EA, reviews every tax strategy before it's implemented, and can represent you directly before the IRS if a matter ever requires it.
We coordinate directly with your CPA or tax preparer if you have one, so nothing falls through the cracks between the plan and what gets filed. You also have the option to coordinate implementation with Fort Collins Tax Advisory Group, right in our office.
Tax law changes. Your income changes. We revisit your tax strategy at least annually, and whenever a major life event such as a sale, a retirement, or an inheritance changes the picture.
Every plan is different. Here's the range of tax strategies we work through with clients.
Multi-year conversion strategies that fill up lower tax brackets before RMDs begin. Use our Roth Conversion Calculator to explore scenarios.
Positioning accounts before age 73 so Required Minimum Distributions and Medicare surcharges don't create a larger bill than necessary.
Timing asset sales for 0% and 15% long-term rates, and capturing losses throughout the year to offset gains within wash-sale rules.
QBI deductions, entity structure, and retirement plan design, coordinated with our exit planning work for owners nearing a sale.
Factoring Colorado's retirement income subtraction and flat state tax rate into every retirement income plan.
Multi-year projections in the years before retirement, when decisions about contributions and conversions have the most room to work.
Questions we hear from clients before getting started, and what we do about each one.
Tax planning is included as part of our full financial planning engagement. Ask us about tax planning as a standalone service if you'd like tax strategy without the broader planning relationship.
See our full fee schedule →Start with a complimentary conversation. No obligation or sales pitch.
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