The biggest expense in most plans is avoidable tax. We plan for it year-round.

We don't file your return — your CPA does that, and we work directly with them. Our job is the decisions made in March, June, and October that determine what April looks like.

Where this shows up

Decisions that are cheap early and expensive late.

Roth conversion timing

Converting in low-income years can move decades of future growth out of taxable status.

Equity compensation

RSUs, ISOs, and NSOs each have different exercise and sale timing that changes your tax outcome.

Charitable structuring

Donor-advised funds and appreciated-stock gifting, sequenced against your income years.

Withholding & estimates

We catch under-withholding in Q2, not in a penalty notice the following spring.

How it works with your CPA

We don't replace your accountant. We give them better inputs.

Most tax mistakes aren't filing errors — they're decisions made months earlier with no tax lens applied. We stay in contact with your CPA throughout the year, flag decisions before they happen, and hand off a clean summary each filing season instead of a scramble in March.

If you don't have a CPA, we can introduce you to one we've worked with directly — there's no referral fee involved.