Strategic Planning to Help Your Wealth Go Further

Layer Roth conversions, gain harvesting, and charitable bunching designed to fill low brackets, sidestep high ones, and avoid stealth levies like IRMAA and NIIT.

Direct indexing and options overlays to help capture daily losses, offset gains, and bank capital-loss carryforwards without upsetting your asset mix.

Strategies such as placing high-growth potential, tax-inefficient assets in IRAs and Roths, income-lean assets in brokerage, and municipal bonds where they can compound more efficiently.

Optimize S-Corp vs. C-Corp vs. LLC setups, cascade income through management companies, and leverage QSBS or Section 1202 for zero-tax stock gains when possible.

Deploy donor-advised funds, charitable remainder trusts, and qualified charitable distributions to help reduce current taxes and amplify philanthropic reach.

Employ GRATs, IDGTs, SLATs, and family limited partnerships designed to help freeze legacy values, compress transfer taxes, and accelerate compounding for heirs.

Execute cost-seg studies, 1031 exchanges, and passive-loss grouping elections designed to shelter both rental and active income streams.

Analyze domicile, statutory residency, and snowbird rules so you live where opportunity—not taxation—guides your choices.