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Tax Planning

A proactive, audit‑ready approach that lowers lifetime taxes using simple moves on a calendar.

Plan my tax moves
See a sample Tax Moves Calendar

What is Tax Planning?

  • How to pay less tax over your lifetime, not just this year.
  • What to do each quarter so April isn’t a surprise.
  • Which accounts to add to or pull from so taxes stay lower.
  • How to time big moves—charitable gifts, stock sales, equipment purchases—so they help at tax time.
  • What records to keep so everything is simple and audit ready.

For business owners

  • How to set salary vs. owner draws.
  • What expenses can be reimbursed (with simple documentation).
  • When it makes sense to buy equipment or vehicles.
  • Deduction maximization plan
  • Health benefit options that can cut taxes.

What to expect

  • A written, calendar-based tax strategy for the year.
  • Quarterly projections that show brackets, credits, and IRMAA thresholds before choices are made.
  • Clear steps for contributions, withdrawals, harvesting, and conversions.
  • A compact Documentation Checklist so everything stays audit ready.
  • Simple coordination artifacts for a CPA and attorney (checklists, timelines, summaries).

Owner playbook (pre/post exit)

  • Reasonable compensation for S‑Corps to balance payroll taxes, QBI (199A), and retirement plan eligibility.
  • Qualified plans: Solo 401(k), Safe Harbor 401(k) + Profit Share, Cash Balance/DB for large, controlled deductions.
  • Accountable plan for reimbursements; Augusta Rule when appropriate (invoices/minutes).
  • Hire children for legitimate work with clean payroll and records.
  • Health benefits: HSA, QSEHRA/ICHRA where they fit team and budget.
  • Depreciation/§179/Bonus aligned to profitability and future plans.
  • Charitable strategy: appreciated assets, DAF funding in spike‑income years; bunching when useful.
  • Entity & exit: structure reviews for §1202/QSBS potential, basis tracking, and timing of proceeds (installment vs. lump sum).
  • Owner draws vs. salary coordinated with cash flow and bracket targets.

Mini Case Studies

Owner, electrical contractor (age 45)
Retiree couple (67/64)

Faqs

Is this aggressive?

No. The tax code is followed as written, with documentation.

No. Entity type, wages, property, and taxable income matter; projections show eligibility.

Usually in lower‑income years before RMDs, up to a target bracket while watching IRMAA.

Only if cash flow and ages support it; actuarial design is reviewed before adoption.

Yes. The plan includes the summaries and checklists they need.

Ready to lower lifetime taxes with a clear, audit ready plan?

Plan my tax moves