Tax strategy,
not just preparation.
We are not tax preparers, and we do not file your returns. We are the strategists who think about your taxes year-round — Roth conversions, loss harvesting, charitable timing, withdrawal sequencing — and coordinate directly with your CPA so the strategy and the filing always match.
The Problem
Taxes are your largest lifetime expense.
Most people ignore them.
Most people only think about taxes when filing in April. By then, the opportunities have passed. Roth conversion windows close. Harvesting opportunities expire. Strategic timing decisions become impossible. Year-round attention to tax strategy is the difference between paying what you owe and paying more than you should.
Why It Matters
Strategy before preparation.
Tax preparation is necessary. Tax strategy is where the real value lies. We focus on reducing your lifetime tax burden — not just filing accurate returns.
Reduce lifetime tax burden.
We look beyond this year. Multi-year projections reveal Roth conversion windows, harvesting opportunities, and timing decisions that reduce total taxes paid over your lifetime.
Coordinated with your full plan.
Tax decisions don't exist in isolation. Withdrawals, investments, insurance, and estate planning all have tax implications. We coordinate them in one system.
Proactive, not reactive.
Most people only think about taxes in April. We think about them year-round — harvesting losses in October, converting in December, adjusting withholdings in March.
We coordinate the professionals.
We are not a tax preparation firm and we do not file your returns. Instead, we coordinate directly with your CPA or Enrolled Agent — or introduce you to a vetted one — so your strategy and your filing always stay aligned.
The Grounded Approach
Four layers. One coordinated tax strategy.
Tax Projection
We model your tax situation across multiple years, identifying windows for Roth conversions, capital gains harvesting, and income timing.
Strategy Integration
Every financial decision — investment trades, retirement withdrawals, charitable gifts — is evaluated for tax impact before execution.
Year-Round Optimization
Tax planning happens in real-time, not just at year-end. We harvest losses, adjust withholdings, and time decisions throughout the year.
Professional Coordination
When it is time to file, we hand off a clear, organized strategy to your CPA or Enrolled Agent — or connect you with a vetted one. We stay in the loop so nothing gets lost in translation.
How It Works
We build the strategy.
Your tax pro files the return.
Tax Strategy
Core Practice · All Tiers
Proactive tax planning integrated with your entire Financial Practice. Multi-year projections, harvesting coordination, and strategic timing.
- Multi-year tax projections
- Tax-loss harvesting coordination
- Roth conversion analysis
- Charitable giving optimization
- Estimated tax planning
- Tax document organization
Professional Coordination
Included · All Tiers
We do not prepare or file your taxes. We coordinate directly with your CPA or Enrolled Agent — or introduce you to a vetted one — so your filing reflects the strategy we build together.
- Direct coordination with your CPA or EA
- Introductions to vetted tax professionals
- Organized, ready-to-file strategy handoff
- Shared tax documents and projections
- Year-end planning aligned with your preparer
- A single point of contact across your team
Grounded Wealth is not a CPA firm or tax preparer. Tax filing is performed by independent, licensed professionals.
Common Mistakes
The opportunities most people miss.
These are the tax mistakes we see again and again — each one costing thousands or hundreds of thousands over time.
Missing Roth conversion windows
Low-income years are opportunities. Once they pass, they're gone forever.
Harvesting losses too late
December is often too late. The best opportunities come earlier in the year.
Ignoring state tax implications
Federal planning without state awareness leaves money on the table.
Charitable giving without strategy
Bunching, donor-advised funds, and QCDs can multiply the tax benefit.
Poor withdrawal sequencing
The order you draw from accounts can cost hundreds of thousands over time.
Estimating taxes incorrectly
Under-withholding creates penalties. Over-withholding is an interest-free loan to the IRS.
Every dollar saved
is a dollar that compounds.
Tax strategy is one of the highest-leverage areas of financial planning. A short conversation can help you understand the opportunities.