Year-round, not just April
Real tax savings happen during the year, in the decisions about Roth conversions, capital gains realization, charitable giving timing, and account location. Not at the filing window.
Tax planning in Boca Raton handled year-round, not just at filing. Tax-sensitive investing, Roth conversion strategy, capital gains planning, and year-end positioning, coordinated with your investment and retirement plan.
Real tax savings happen during the year, in the decisions about Roth conversions, capital gains realization, charitable giving timing, and account location. Not at the filing window.
Tax-loss harvesting, gain budgeting, and asset location all sit at the intersection of investment management and tax planning. We do both.
our enrolled agent handles tax preparation for investment-management clients. The person filing your return is in the same building as the person managing your portfolio.
Big decisions (Roth conversions, business sales, retirement timing) get modeled over a 5 to 10 year window, not one tax year at a time.
Concentrated stock, business sale proceeds, real estate, inherited assets. The planning around the gain matters as much as the investment itself.
Donating appreciated securities, donor-advised funds, qualified charitable distributions from IRAs. See charitable giving →
The size of your tax bill over a 30-year window isn't mostly determined by what your accountant does at filing. It's determined by a series of decisions made throughout each year: how much to convert to Roth, when to realize a capital gain, where to hold which asset, how to time charitable giving, when to claim Social Security. By the time the return is being prepared, the levers are mostly set.
For high-income households the gap between an okay tax outcome and a good one is often six figures over a decade. Most of it comes from a few specific decisions made at the right time.
Three things that shape how we deliver tax planning for South Florida clients.
Tax Planning doesn't sit alone. The investment plan, the tax plan, and the estate plan reference each other. We coordinate all three so decisions match.
No off-the-shelf model portfolios or boilerplate plans. The recommendations match your specific income, tax bracket, family situation, and timeline.
We meet on a quarterly cadence to adjust the plan as your life and the tax code change. The relationship is long-term by design.
The window between when employment income stops and when RMDs start (typically age 73 or 75) is the biggest tax planning opportunity most pre-retirees have. We model Roth conversions year by year through that window, looking at bracket fills, future RMD reduction, and the tax-free inheritance the conversion creates.
See the dedicated Roth conversion page →
For investment-management clients, our enrolled agent handles tax preparation in-house. This keeps the person filing your return in close coordination with the person managing your portfolio, which matters more than most clients realize. Tax preparation is offered to existing investment-management clients, not as a standalone service.
If you've a high income, concentrated stock, a pending business sale, or you're in the years before RMDs start, year-round tax planning is the single highest-value piece of planning we do. The savings often dwarf the planning fee.
Most tax planning relationships work through one or more of these as part of the broader plan.
Multi-year modeling, conversion ladders, and the low-tax window between retirement and RMDs.
See roth conversion strategy →DAFs, charitable trusts, QCDs from IRAs, and donating appreciated securities.
See charitable giving strategies →Tax-loss harvesting, gain budgeting, and asset location.
See tax-sensitive investing →"We started doing Roth conversions in 2020 when our income dropped during a transition year. Beth and the team modeled it out and we did $80K in conversions over two years. The RMD reduction alone makes it worth it."
"The donor-advised fund we set up the year I sold the business saved us a real amount in taxes. They timed it with the sale year so we could front-load several years of charitable giving."
"Our enrolled agent caught a basis issue on an inherited brokerage account that would have cost us four figures in unnecessary taxes. Having the tax person and the investment person on the same team mattered."
Posts our wealth advisors have put together on this topic.
Yes, in-house, for existing investment-management clients. our enrolled agent handles personal tax returns for clients who are already in an advisory relationship with the firm. We don't take new clients for tax preparation alone. The reason is that the value of doing tax prep in-house comes from the coordination with the planning and investment work. Without that, it's just bookkeeping.
Tax preparation is filing the return for a year that already happened. Tax planning is the work during the year that decides what the return looks like. Tax-loss harvesting, Roth conversions, charitable giving timing, capital gains realization, retirement contribution decisions. By the time the return is being prepared, most of the decisions are locked in.
The strongest window is usually after you stop earning W-2 income and before RMDs start. That gives you years where your taxable income is low and your withdrawal rate is mostly flexible. Inside that window, you fill up the lower tax brackets each year. Outside that window, conversions can still make sense, but the math is closer to neutral and the case is weaker.
When a position in a taxable account has lost value, we can sell it to realize the loss for tax purposes, then buy a similar (but not identical) position to keep the portfolio's exposure intact. The realized loss offsets gains elsewhere in the portfolio, or up to $3,000 of ordinary income per year, with carryovers for the rest. Done consistently over many years, the tax savings compound meaningfully.
Yes. Concentrated stock (RSU vesting, ISO exercises, ESPP shares, inherited holdings, or just a position that grew) is one of the most common tax planning challenges. The work is typically a multi-year diversification plan that pulls gains in the lowest-tax years possible, paired with tax-loss harvesting elsewhere in the portfolio and charitable-giving strategies that use the appreciated shares.
Florida has no state income tax, which is a meaningful advantage for high-income retirees relocating from higher-tax states. The planning around residency change (where to establish domicile, the documentation required, and timing relative to other tax events) is part of what we cover for clients who are moving in or out of state.
The first meeting is a conversation, not a sales pitch. We'll talk about where you are, what you're working through, and whether Intercoastal is the right fit. In person in Boca Raton or Plantation, or by video from anywhere.