How We’re Here to Support You
Personal Income Tax Planning
Building a proactive approach to taxes across your income, investments and withdrawals, so you're making smarter decisions all year long.
How We Help
- Proactive year-round tax planning
- Roth conversion planning and timing
- Tax-efficient withdrawal sequencing
- Bracket management and income timing
- Multi-year tax projection and forecasting
- Social Security taxation strategy
- Medicare surcharge (IRMAA) planning
- RMD planning and management
- Retirement income tax structuring
- Coordination across your full financial plan
Most people only think about taxes once a year. By then, the best opportunities to reduce what you owe have already passed. We keep taxes at the center of every financial decision we make together, so you're not just filing a return; you're working a plan.
Investment Tax Efficiency
Structuring your portfolio around what you actually keep after taxes so every investment decision is made with the full tax picture in mind, not just the return.
How We Help
- Tax-loss harvesting
- Asset location strategy
- Capital gains planning and timing
- Tax-managed fund selection
- RMD planning and management
- Minimizing unnecessary taxable events inside the portfolio
- Coordination with your overall tax strategy
Most portfolios are built around performance. Ours are built around after-tax performance because what your investments earn and what you actually keep are two very different numbers. We make sure the gap between them is as small as possible.
Estate & Wealth Transfer Tax Planning
Protecting your wealth as it transfers to the next generation, minimizing what’s lost to taxes and making sure it arrives exactly where you want it to.
How We Help
- Gifting strategies and annual exclusion planning
- Trust structuring and coordination
- Generation-skipping transfer planning
- Charitable giving strategy
- Donor-advised fund planning
- Qualified charitable distribution strategy
- Beneficiary and asset titling review
A well-built estate plan and a well-built tax strategy should work together, but most people have one without the other fully thought through. We make sure both are aligned, so your wealth transfers on your terms with as little as possible lost to taxes.
Business Owner Tax Planning
Looking at the tax picture across both your business and personal financial life so the decisions you make in one don't create unintended consequences in the other.
How We Help
- Entity structure and compensation planning
- Retirement account contribution strategy
- Exit and succession tax planning
- Owner benefit and deduction optimization
- Business and personal tax coordination
- Key person planning
- Coordination with your CPA and legal advisors
Business owners have more tax levers to pull than almost any other client type, but only if someone is actively pulling them. We work alongside your CPA and legal advisors to help ensure your business structure, compensation and exit strategy are all working as hard as you are.
Our Services
Centaurus Financial, Inc. and its representatives do not provide legal or tax advice. Please consult your own legal or tax professional regarding your specific situation.
