Tax Planning Review

Tax Planning Review

Request a complimentary tax planning review to identify Roth conversion, capital gain, IRMAA, and withdrawal planning opportunities.

The Tax Planning Review is a structured one-page intake that surfaces the multi-year tax planning opportunities most households miss — Roth conversion windows, IRMAA bracket exposure, capital gain harvesting, QCDs, and asset location across account types.

The structure is deliberately simple. One page covering current income, projected income across the next several years, account types and balances, age and Social Security status, and any known transactions on the horizon — business sale, equity comp vesting, inheritance, real estate sale. From there we identify the planning opportunities that fit your specific situation and surface the ones with the largest cost of inaction.

Most households who run through the review find at least one opportunity in the $25K-$250K range over the next decade. Some find more. The review is complimentary because tax planning is not where the relationship begins — the planning engagement is. But the review is a fair test of whether there is anything substantial to coordinate.

The single most under-used planning lever for households between age 60 and 73 is the Roth conversion window. The years between retirement and Required Minimum Distributions, when ordinary income drops, IRMAA exposure can be managed precisely, and conversion capacity opens up that will close permanently once RMDs and Social Security stack on top. We see the cost of missing that window in nearly every new client conversation.