Tax Planning
Tax planning is what you do during the year. Tax preparation is reporting what you already did. Almost everything worth doing has a deadline of 31 December, which is why the work belongs in October rather than April.
Guides
Longer-form background on the whole subject.
Calculators
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Tax Savings Estimator
Estimate how much you could save in taxes through retirement plan contributions, deductions, and other strategies available to business owners.
Open the tool →Roth Conversion Calculator
Estimate the tax cost of converting a traditional IRA or 401(k), and compare converting against staying traditional over your full retirement horizon.
Open the tool →Articles
Specific questions, answered in plain language.
Reasons to Consider a Roth Conversion (and Reasons Not To)
The five situations where converting genuinely pays: the window before RMDs, a low-income year, an RMD problem you can see coming, a market drawdown, and what your heirs will face. Plus the five cases where it costs you money.
Read the article →Tax-Loss Harvesting: What It Is, How It Works, and Where People Get It Wrong
How the mechanics actually work, the wash sale rule everyone gets wrong, a real-world example with numbers, and the mistakes that turn a smart strategy into a mess.
Read the article →Qualified Charitable Distributions: A Better Way to Give After 70½
If you are over 70 and a half and give to charity, writing a check is usually the least efficient route available. Why the 2026 rule changes widened the gap in the QCD's favor.
Read the article →Non-Qualified Stock Options: How They're Taxed
Two taxable moments, one costly reporting error, and a withholding rate that is usually too low. What to check before you exercise, and what to check on your 1099-B afterwards.
Read the article →Want this applied to your own situation?
Everything here is general. A conversation is where it gets specific, and there is no cost or obligation in having one.