Strategic Tax Planning
The complexity of tax law, the high cost of noncompliance, and the risk of missing valuable tax-saving opportunities make the value of professional tax planning unmistakable.
Tax Planning for Complex Wealth
Multi‑year, tax‑smart strategies can produce tangible 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 tax brackets and Medicare surcharges.
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‑Alfa Investment Management
Significant benefits can be captured through proactive Tax-Alfa management: tax-loss harvesting, maximizing tax deferral, "asset location" strategies to hold certain types of assets in tax-favorable accounts, holding-period management of the Wash Sale Rule to optimize long-term capital gains treatment, and sourcing your spending for tax-optimized withdrawals.
Collaboration
A collaborative tax advisor ensures all your key financial, legal, investment and estate planning professionals are working from the same playbook, helping you reduce taxes, avoid costly mistakes, and better preserve your wealth for you and your family throughout the entire year.
Meet Elayne
Elayne brings a rare ability to provide clarity in the otherwise complex world of taxation, uncovering opportunities to save money that might otherwise be overlooked. Reducing the needless erosion from taxes increases net investment returns, cash flows, and the capital available to fund and sustain your long-term financial plan.
Elayne Pisarik, CFP®, CLU, ChFC, CDMM, MS, M.Tax
With 3 degrees, 4 certifications and 32 years of experience, Elayne is among the industry's most highly qualified advisors.
Tax-Smart Strategies
Integrated Tax Planning Across Your Investments, Income, and Estate
Tax-Efficient Investing & Portfolio Design
- Asset location across taxable, IRA, and Roth to cut ongoing tax drag
- Ongoing tax-loss and gain harvesting with wash-sale-awareness.
- Realized-gain budgets to avoid April surprises
- Total return investment strategies that account for inflation, fees and taxes.
Retirement Income & Roth Strategies
- Tax-smart withdrawal order across taxable, pre-tax, and Roth accounts
- Multi-year Roth conversion plan using low-tax years and market opportunities
- RMD and charitable-IRA timing to reduce lifetime taxes
- Limiting surprise add-on taxes and Medicare premium surcharges
- Social Security timing coordinated with the rest of your tax plan
Estate, Gift & Charitable Planning
- Trust coordination (revocable, SLAT/ILIT/GRAT) with your estate advisors
- Annual-exclusion gifting, 529 “superfunding,” and lifetime-exemption strategies
- Structure charitable giving using with appreciated assets and IRAs to cut taxes
- Align beneficiaries, titling, and step-up rules across accounts
- Plan business exits and equity comp with your CPA for tax efficiency
Tax Planning FAQs
We proactively employ strategies to maximize tax deferral, thoughtfully harvest investment gains & losses, maximize deductions, defer tax recognition, source your spending in a tax-optimized manner, and mitigate estate taxes. These can significantly reduce the taxes you pay over time.
We “quarterback” the process; sharing relevant data, implementing tax planning strategies, and collaborating with your CPA and/or attorney for accounting and document preparation.
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.
Core tax planning is included in our Comprehensive Financial Planning service. Clients whose tax profiles involve greater complexity can elect to add the services of our Strategic Tax Planner.
We understand taxes can be a significant drag on net returns, so we seek to offset taxable gains by harvesting losses, minimize the tax bite on cash flows, and strategically position assets in taxable/non-taxable accounts to help keep your portfolio tax-optimized over time.
Want more details?
Call, email, or meet with a member of our FinancialTeam.