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Taxes

Taxes cannot be avoided, but we can show you how some can be deferred and how others can be managed through investing. We will show you strategies to minimize tax liabilities through sophisticated planning and products.

The Facts About Income Tax

The Facts About Income Tax

Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.
How to Make the Tax Code Work for You

How to Make the Tax Code Work for You

When you take the time to learn more about how it works, you may be able to put the tax code to work for you.

Tax-Reduction Strategies 

Many of our clients have two things in common, high income and high taxes. Taxes are a part of life, but with proper planning, we can eliminate unnecessary taxes leaving you with more of the money you have worked for. 

Our Solution

With a thorough understanding of both tax law and your personal goals and plans, we design a financial plan that allocates funds into accounts that will reduce your taxes as much as possible. These accounts include retirement accounts, education accounts and certain life insurance strategies, so that we can make your financial plan as tax efficient as possible while still giving you the flexibility you need.

Frequently Asked Questions

What is the difference between a traditional and Roth IRA?

Both types of accounts offer tax benefits, albeit in different ways. In a traditional IRA, you contribute pre-tax dollars reducing your taxable income, and then withdrawals are treated as ordinary income but at a possibly lower tax rate later in life. In a Roth, you contribute after tax dollars, then the withdrawals are entirely tax free.  

Is life insurance taxable?

Permanent life insurance can be a great addition to your retirement plan in certain situations. When properly structured, the cash value of your life insurance can be withdrawn tax free. Whether you choose term or permanent insurance, the ultimate payout is tax free as long as you have paid your premiums with after tax dollars. 

How can I reduce estate taxes?

High net worth individuals may be subject to estate tax. The taxes due can be reduced using strategies such as gifts, charitable contributions, irrevocable life insurance trusts and other tools. Our specialists can discuss what is the best strategy for your situation. 

Red Flags for Tax Auditors

Red Flags for Tax Auditors

Here are six flags that may make your tax return prime for an IRS audit.
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Tax & Estate Strategies for Married LGBTQ+ Couples

Tax & Estate Strategies for Married LGBTQ+ Couples

Learn how to maximize your tax and estate strategy as a married member of the LGBTQ+ community.
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Five Most Overlooked Tax Deductions

Five Most Overlooked Tax Deductions

Five overlooked tax deductions to help manage your tax bill.
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