Tax Planning

The difference between gross wealth and what you actually retain comes down to tax architecture. We integrate tax efficiency into every major financial decision, from portfolio rebalancing to complex business exits and trust distributions, ensuring your money stays where it belongs.

How we work

What we do

One lifetime exposure, across the portfolio, the companies and the trusts.

Entity structuring

Who earns each kind of income, and in which state, is set by how the companies, partnerships and trusts are built. We design that structure with the whole household in view.

Asset location

Which account holds which investment. Holdings that pay out income sit where it is sheltered, and holdings meant to grow sit where the gain can wait.

Loss harvesting

Losses in the portfolio are realized on purpose and set against gains elsewhere, in the year they do the most good.

Part of one design

Tax is a cost of almost every decision the family makes. Tax Planning aims to give you room to choose: decisions made on their own timing, with the tax known in advance rather than found at filing.

We do

Project the year before it closes
Model the timing of income and gains
Coordinate entities, trusts and accounts
Give your accountant one picture

Your counsel does

Your accountant prepares and files the returns
Your attorney drafts the entity and trust documents

When it matters most

The moments that move the most tax, and what we do in each.

All transitions

Liquidity Event

The sale of a business you own, or a large part of it. Years of concentrated, illiquid value become cash at a single closing, and the role that organized your life often ends with it.

The structure is set before the sale, while it can still change the result.

Receiving an Inheritance

Receiving assets from someone who has died, most often a parent. The legal clock and the emotional one run at different speeds, and most of the irreversible choices fall on the legal one.

Inherited assets are reviewed at their new cost basis before anything is sold.

Retirement

The end of a primary career. Saving becomes spending, and a life organized by work has to be organized by something else.

The lower-income years before required distributions can be used for Roth conversions.

Divorce

The end of a marriage or long-term partnership. One household becomes two, and what the couple held jointly, including friendships, has to be divided.

Assets are divided with their tax cost in view, as well as their value.

Common questions

All year, and mostly before the year closes. A return records decisions already made: by the time it is prepared, the timing of income, gains and gifts is settled. We project the year ahead of its close, and again whenever something large is coming.

Start with a conversation.

Tell us what is changing in your family. We listen first, and tell you plainly whether we are the right office for it.

All seven services