Strategic Tax Planning
Tax law intersects every financial decision you make. Year-round, proactive tax planning coordinates your investments, income, and estate strategy to keep more of what you’ve built.
Every decision your family makes has a tax consequence, and most of them are irreversible after December 31. Year-round planning means the consequence is known before the decision, not after.
Meet Elayne
Elayne identifies tax opportunities across personal, entity, trust, and charitable levels and coordinates their execution with your CPA, so that each year's decisions are made with the next five in view.
Elayne Pisarik, CFP®, ChFC®, M.Tax
Identifies tax strategy across personal, entity, trust, and charitable levels. Thirty-four years in tax planning. CFP®, Master of Taxation.
Tax Planning for Complex Wealth
Multi-year strategy produces measurable savings for complex estates and high-income families.
Retirement Income & Distribution
Coordinate withdrawals from taxable, traditional, and Roth accounts, strategically time Roth conversions, manage required minimum distributions, and limit exposure to higher brackets and surtaxes.
Estate, Gift & Charitable Strategy
Combine revocable and irrevocable trusts, lifetime gifts, charitable techniques, and available exemptions to minimize estate and gift taxes, manage capital gains, and reduce potential income taxes for your heirs.
Tax-Alpha Investment Management
Tax-Alpha strategies target the gap between pre-tax and after-tax returns. This includes tax-loss harvesting, asset location across account types, holding-period management, and tax-optimized withdrawal sequencing.
Collaboration
Your financial, legal, investment, and estate planning professionals coordinate from a shared strategy, keeping your tax plan aligned with every major decision throughout the year.
If your wealth has outgrown ordinary advice, we should talk.
Tax Planning FAQs
Your tax plan incorporates strategies across deferral, gain and loss harvesting, deduction optimization, income recognition timing, withdrawal sequencing, and estate tax mitigation. Applied consistently, these strategies reduce your lifetime tax burden.
Your tax plan is coordinated across your CPA, attorney, and investment team. Relevant data and strategies are shared so each professional works from the same foundation.
Send your most recent federal tax returns and any supporting schedules/K-1s. We perform an efficiency review of your return and monitor changes in income, deductions, brackets, exemptions, and credits throughout the year.
Tax planning is included in every engagement. In Comprehensive Wealth Management your lead advisor handles it, with the tax strategist brought in for complex events such as an exit, a large option exercise, or a multi-entity restructuring. In the Private Family Office the tax strategist meets with your family in her own standing meetings throughout the year.
Tax-efficient portfolio management targets the gap between gross and net returns. This includes harvesting losses to offset gains, minimizing the tax impact on cash flows, and positioning assets across taxable and non-taxable accounts to keep your portfolio optimized over time.