Proactive, year-round tax strategies designed to reduce your lifetime tax burden, not just this year's bill.
The Problem
The Most Expensive Tax Mistakes Happen Long Before Filing Season
These aren't careless mistakes. They're the predictable result of a system where your financial advisor doesn't think about taxes and your CPA only sees your financial life once a year, after every decision has already been made.
Why Most Tax Planning Falls Short
Your CPA Files Your Return. But Who's Actually Planning?
There's a difference between tax preparation and tax planning, and most people are only getting one. At United, tax planning isn't a separate service. It's woven into every financial and investment decision we make with you.
What Proactive Tax Planning Looks Like
Multi-Year Tax Projections
We model the tax impact of today's decisions across 5, 10, and 20+ year horizons, because a move that saves you $5,000 this year might cost you $50,000 over the next decade if nobody runs the numbers forward.
Business & Personal Coordination
We handle both sides (business bookkeeping, business returns, and personal returns) so entity structure, compensation strategy, and retirement contributions are all optimized together.
Roth Conversion Planning
We identify narrow conversion windows (between retirement and RMDs, or during low-income years), size conversions to stay within optimal brackets, and coordinate with your investment team so the money moves efficiently.
Charitable Giving Optimization
DAFs, QCDs from IRAs, bunching strategies, appreciated stock donations: the right approach depends on your income, bracket, and broader plan. We maximize impact and tax benefit simultaneously.
Rebalancing With Equity Compensation Strategies
ISOs, NSOs, RSUs, and ESPP shares each come with different tax treatment and timing risks. We model exercise strategies against your full income picture, because the difference between November and January can be five figure
Capital Gains & Bracket Management
We monitor taxable income throughout the year and coordinate with your portfolio manager (because they're down the hall, not across town) to time sales, harvest losses, and manage distributions.
Service FAQ
Frequently Asked Questions
What is tax planning?
Tax planning is the process of making financial decisions with their tax consequences in mind before those decisions are locked in. It can include Roth conversion planning, capital gains management, charitable giving strategy, equity compensation planning, estimated tax coordination, and retirement withdrawal sequencing.
How is tax planning different from tax preparation?
Tax preparation reports what already happened and files the required return. Tax planning happens before and during the year, when there is still time to change timing, income, deductions, investment sales, or retirement distributions in a way that may reduce lifetime tax cost.
Who benefits from proactive tax planning?
Proactive tax planning is especially useful for retirees, business owners, high-income households, people with equity compensation, families considering Roth conversions, and anyone whose investment or financial planning decisions can create meaningful tax consequences.
Does SCM coordinate tax planning with investments?
Yes. SCM coordinates tax planning with investment management, financial planning, and tax preparation so portfolio trades, charitable gifts, Roth conversions, and withdrawal decisions are evaluated against the same tax picture.
This information is general education only. Decisions about tax, investment, retirement, or financial planning should be evaluated against your specific circumstances with qualified professionals.
Ready for Investment Management That Sees the Full Picture?
Schedule a no-pressure conversation. We'll listen to how your portfolio is currently managed, what's working, what isn't, and whether a more coordinated approach could make a meaningful difference.
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