Tax Bracket Planning
As a high income earner, taxes can weigh on your ability to create and grow your wealth throughout your life. We specialize in helping clients reduce lifetime taxes on all of their assets through our unique process called Tax Bracket Planning.
You may be a good candidate for Tax Bracket Planning if you have any of the following:
- High income
- Saving at least $50,000 per year into taxable investment accounts
- Highly-appreciated stock positions
- Investment real estate
- Significant company stock or option grants
- Planning for early retirement and living off investments
With Tax Bracket Planning, we can use all of the tools available within the rules to help you pay your fair share of taxes and nothing more.
What Can I Do Now to Reduce My Taxes?
If a large portion of your compensation and net worth is in company stock or options, you’re likely facing critical decisions.
How much of your wealth should be in your employer’s stock? How does your company stock exposure affect your financial plan? When should you exercise your stock options?
Company stock can supercharge your wealth, but wealth created through a concentrated position in company stock can completely change considerations of risk, tax, and cash flows for individuals preparing for retirement or financial independence.
If you’re contemplating how your financial goals and taxes are impacted by your restricted stock units (RSUs), incentive stock options (ISOs), nonqualified deferred compensation (NQDC), or employee stock purchase plans, we can help you navigate your financial journey.
Common Questions for Stock Comp Recipients
- How much of my net worth should be concentrated in my employer's stock?
- Should I keep or sell my vesting restricted stock units (RSUs)?
- When should I exercise my incentive stock options (ISOs)?
- Should I participate in my employer's stock purchase plan (ESPP)?
- How should I invest my other savings considering a portion of my wealth is concentrated in one company or industry?
- How do I minimize my taxes now and in the future?
Common Questions for Real Estate Investors
- How should my investment real estate change my other investments?
- What are the key financial metrics to monitor in my real estate portfolio?
- How much leverage should I have in my real estate portfolio?
- When should I buy or sell an investment property?
- What are the tax reduction opportunities available to real estate investors?
- Is there a financial advisor that can consult on my investments AND my real estate?