Has your financial advisor ever read your tax return?
Most people have a CPA who files the return and a financial advisor who’s never seen it — a gap that quietly costs money every year. We close it.
If you’re simply looking for tax preparation, there are plenty of options. If you’re looking to be more intentional about how you build and keep wealth, you’ll feel right at home here.
Stop managing taxes and investments separately.
Start building wealth strategically.
Tax strategy
We prepare your return in-house — and plan around it year-round.
Investment management
Portfolios structured for tax efficiency, not just returns.
Estate & legacy
Coordinating the tax and investment side of the wealth you’ll pass on — and the wealth you’ll receive — alongside your estate attorney.
You’re probably paying two people who’ve never spoken to each other.
WHAT MAKES US DIFFERENTWe didn’t build a tax firm that added investments — or an investment firm that talks about taxes. We built one firm designed to handle both.
We’re one of the few firms in San Diego that prepares your taxes and manages your investments under one roof. That’s not a feature. It’s a fundamentally different way of advising.
When tax season ends for most firms, the real planning work begins for ours.
THE TYPICAL EXPERIENCE
- A CPA who files your return once a year
- An advisor who’s never seen that return
- Investments placed without tax considerations
- Roth conversions discussed, rarely timed
- Tax law changes you hear about too late
- Two bills, no coordination between them
WORKING WITH US
- One team that prepares your return and plans around it all year
- An advisor who reads your return line by line
- Investments placed for tax efficiency
- Roth conversions projected, sized, and timed
- Tax law changes planned for before they hit
- One relationship, one coordinated strategy
Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.
Who We Do Our Best Work For
IS THIS YOU?You earn well, save aggressively, and suspect you’re overpaying the IRS.
Maxing your 401(k) isn’t a tax strategy — it’s a starting point. We plan around your bracket, your income mix, and your savings rate to potentially lower what you pay now and position what you’ll keep later.
You’re sitting on stock options, RSUs, or a position that’s run way up.
Equity compensation creates some of the biggest tax decisions you’ll ever face — when to exercise, when to sell, how to diversify appreciated shares without handing the gain to the IRS. We map the tax cost of every path before you choose one.
You’re passing wealth on — or receiving it.
An inheritance handled well is a legacy; handled poorly, it’s a tax event. Whether you’re planning your estate or navigating what a parent left behind, we structure the transfer so the IRS takes the smallest possible share.
You want your portfolio and your tax return on speaking terms.
You’ve built meaningful assets, and the question is no longer just “what’s the return?” — it’s “what do you keep?” We manage the two together, because that’s where the answer lives.
Real planning, real outcomes
WHAT THIS LOOKS LIKE IN PRACTICEA few examples of what happens when taxes and investments are managed together. Details changed to protect client privacy — and every situation is different: these illustrate the approach, not a promised outcome.
ROTH CONVERSION TIMING
We helped a client convert his mother’s IRA to a Roth while her retirement income was low. Had he inherited it later at his own bracket, in his peak earning years, the tax bill would have been far higher.
Timing the conversion saved tens of thousands.
SMART ASSET LOCATION
By moving high-yield savings into an IRA and growth stocks into a taxable account, we lowered the client’s current taxable income — which freed up room to convert more of their IRA to Roth.
One move, two compounding benefits.
THE QCD TRIPLE BENEFIT
For a client over 70½, a Qualified Charitable Distribution lowered AGI — which expanded their medical deduction and reduced their Medicare premium, all at once.
A charitable deduction helps. A QCD does more.
ISO EXERCISE, AMT CHECKED
A client wanted to exercise incentive stock options and hold for long-term capital gains. We modeled the AMT impact first and sized the exercise to stay under the threshold — capturing the lower rate without triggering a surprise bill in April.
The gain went long-term. The AMT never showed up.
Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.
Let’s see if we’re the right fit
A 30-minute conversation is enough to know. We’ll look at how your taxes and investments are working together today — and whether there’s room to do better.
No pressure, no sales pitch — just a clear look at where you stand.