Tax strategy,
not just preparation.
Most people think about taxes once a year. We think about them constantly — because every financial decision has tax implications. Roth conversions, loss harvesting, charitable timing, withdrawal sequencing. We coordinate it all inside your Financial Practice.
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.
Professional preparation available.
For Advisory Wealth and Virtual Family Office members, we offer full-service tax preparation. Your returns are prepared by professionals who already know your complete financial picture.
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.
Seamless Preparation
For eligible members, your returns are prepared by professionals who already understand your complete financial picture. No starting from scratch.
Two Services
Strategy for everyone.
Preparation for those who want it.
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
Tax Preparation
Additional Service · AW/VFO
Full-service tax preparation and filing handled by professionals who already understand your complete financial picture.
- Federal and state tax preparation
- E-filing with confirmation
- Prior year amendments
- Audit support
- Extension filing
- Estimated tax vouchers
Available for Advisory Wealth and Virtual Family Office members.
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.
Side By Side
Traditional Approach vs. Grounded Wealth™
| Feature | Traditional Approach | Grounded Wealth™ |
|---|---|---|
| Multi-Year Tax Projections | Rarely | |
| Tax-Loss Harvesting Coordination | Variable by firm | |
| Roth Conversion Planning | Variable by firm | |
| Integrated with Financial Plan | Rarely | |
| Year-Round Tax Optimization | Limited | |
| Professional Tax Preparation | Separate service | Included (AW/VFO) |
| Fee-Only Fiduciary | Varies by firm |
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.