Integrating Tax Strategy and Estate Planning in Your Financial Plan
A strong financial plan must address two critical areas: reducing taxes over your lifetime and ensuring your legacy is protected. We help Utah families and retirees make informed decisions about tax efficiency, asset protection, and inheritance strategies — all coordinated within your broader financial plan.
Strategic Tax Management to Protect More of What You Earn
Proactive tax planning helps your savings last longer. Whether you're preparing for retirement, managing investments, or planning for wealth transfer, the decisions you make today shape your long-term results. While we don’t prepare tax returns, we coordinate closely with your CPA to ensure your financial strategy reduces avoidable taxes.
We use techniques such as asset location (placing tax-efficient investments in taxable accounts and tax-inefficient ones in IRAs), managing capital gains, and tax-loss harvesting. When appropriate, we incorporate Roth accounts, municipal bonds, and other tax-advantaged options to support long-term efficiency.
We help you evaluate Roth conversions, design tax-smart withdrawal sequences, and understand how Social Security, pensions, and Required Minimum Distributions (RMDs) affect your tax picture. Our goal is to smooth out taxes over your lifetime and avoid unnecessary spikes in retirement income.
Adapting to Tax Law Changes
Tax rules evolve — from RMD age updates to estate tax thresholds. We stay current so your plan adapts with clarity and confidence.
Protecting Your Family and Your Wishes
Estate planning ensures that your wealth transfers smoothly and reflects your intentions. We help you align financial accounts, update beneficiary designations, and coordinate with attorneys to ensure your documents and financial strategy work together.
Will & Trust Guidance
We help you understand whether you may benefit from a living trust, will, durable powers of attorney, or advanced directives. While we don’t draft legal documents, we partner with estate attorneys who can prepare them.
For families with larger estates, we review strategies such as gifting, charitable giving, or trust structures to reduce future estate tax exposure and streamline inheritance. While Utah has no state estate tax, federal estate tax laws still apply for high-net-worth households.
Protecting Beneficiaries
We assist with planning strategies for minor children, blended families, or dependents with special considerations — including life insurance trusts or structured inheritance plans.
How We Work with Your Tax and Legal Advisors
Your financial life runs smoother when all professionals work together. We regularly coordinate with CPAs, estate attorneys, and other specialists to ensure consistency across your investments, tax strategy, and legal documents. Whether it’s providing tax reports, implementing attorney recommendations, or aligning titling and beneficiaries, we make the process seamless.
Secure Your Wealth for Generations
Whether you’re preparing for retirement or planning for future generations, we’ll help you create a tax-smart, cohesive estate strategy that gives your family clarity and peace of mind.
Do I need tax planning if I already have an accountant?
Yes. CPAs focus on filing past-year taxes. We focus on long-term strategy — identifying ways to reduce taxes over time while supporting your broader financial goals.
What tax issues should retirees watch out for?
Key considerations include RMDs, Social Security taxation, capital gains, and Utah state tax treatment of retirement income. We help you anticipate and plan around these issues.
Can you help me set up a trust or will?
We don’t draft documents, but we partner with estate attorneys and ensure your financial accounts align properly with your estate plan.
How can I leave money to my kids or charity tax-efficiently?
Strategies may include gifting, 529 plans, donor-advised funds, naming charities as IRA beneficiaries, and coordinating trusts. We tailor the approach to your goals.
What is an estate plan review?
It’s a detailed assessment of your beneficiary designations, titling, wills, trusts, and overall strategy to ensure everything supports your financial plan. We revisit this regularly as your life evolves.
