Owner compensation and business structure
Evaluate reasonable compensation, owner payroll, distributions and entity elections with your CPA, including effects on payroll taxes, QBI and retirement contributions.
Tax planning evaluates the tax consequences of owner pay, retirement contributions, investment gains and business choices before you act. Year-round planning is included in ongoing wealth management.
Strategies depend on eligibility, timing and the facts of your situation. We compare the tax benefit with the cash commitment and broader financial effect.
Evaluate reasonable compensation, owner payroll, distributions and entity elections with your CPA, including effects on payroll taxes, QBI and retirement contributions.
Compare Solo 401(k), profit-sharing or cash-balance contributions where appropriate, alongside Roth conversions and your ability to keep funding the plan.
Coordinate tax-loss harvesting, gain realization, appreciated-stock gifts and donor-advised-fund contributions with your income projection.
Recommendations are tailored to your facts and coordinated with the professionals responsible for filing, legal work and plan administration.
Project current- and future-year income, deductions and gains. Compare estimated payments and withholding with the expected liability and applicable payment requirements.
Analyze entity choices, S-corporation elections and reasonable compensation, including their interaction with payroll taxes and the qualified business income deduction.
Evaluate plan options, Roth versus traditional contributions and conversion amounts. Consider contribution eligibility, employee costs and cash needed to fund the strategy.
Review accountable-plan opportunities, owner health insurance, depreciation and Section 179 or bonus-depreciation choices with your CPA. A deduction must fit the underlying business need.
Coordinate asset location, capital gain/loss netting, tax-loss harvesting, charitable bunching and appreciated-security donations. Evaluate QCDs when eligible.
Assess sale-related tax exposure, potential installment treatment, QSBS questions, PTE elections and multi-state issues where relevant. Bring legal and tax specialists into transaction-specific analysis early.
Tax analysis
Compare the tax result with the money committed, the investment risk retained and the flexibility you give up.
A harvested loss must be coordinated with purchases in other accounts. Selling appreciated stock also changes concentration risk and the portfolio allocation.
A cash-balance contribution or equipment deduction may reduce taxable income while tying up money needed for operations and household reserves.
Roth conversions and withdrawal sequencing can affect future distributions, tax brackets and Medicare premiums. Compare several years rather than one bill.
Suppose business profits rise and you are considering both a larger retirement contribution and equipment purchases. The largest deduction is not automatically the best financial decision.
Hypothetical illustration, not a client result or a promise of tax savings.
Investment management
Update business and household income, gains, withholding and estimated payments before comparing strategies.
Tax planning
Evaluate how owner payroll and distributions affect retirement-plan contributions, payroll taxes and any available QBI deduction.
Investment management
Estimate owner and employee contribution obligations under eligible plan designs, including the future funding commitment.
Tax planning
Compare available expensing and depreciation treatment with the equipment’s business purpose and expected future income.
Financial planning
Account for taxes, payroll, household reserves and planned purchases before agreeing on the action list with your CPA.
Tax planning evaluates choices before they are made. Preparation reports what happened. We coordinate projections and recommendations with your preparer; we do not prepare or file returns or provide IRS representation. Year-round tax planning is included in ongoing wealth management. For a defined engagement, explore the Tax Plan.
Consider tax consequences alongside portfolio risk and cash needs.
Evaluate how withdrawals and conversions fit your retirement income.
Connect tax decisions with cash flow, retirement and your personal goals.
Discuss your needs in a complimentary 20-minute introduction. See how we work before your call.