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Tom Durand Fiduciary Services Services Tax Planning

Tax Planning

Proactive, year-round strategies to minimize tax drag and keep more of what you earn.

Reduce taxes—by design, not by chance

We integrate tax planning into every financial decision—asset location, contribution order, harvesting rules, withdrawal sequencing, and entity selection—so results show up on your return, not just in a plan.

Our work coordinates with your CPA to align projections with filings, avoid surprises, and document the “why” behind each tactic.

Tax Planning

Planning process & strategy

Diagnose → Model → Implement → Monitor. We review brackets, credits, carryforwards, and timing windows to reduce lifetime taxes—not just this year’s bill. Tactics include asset location, gain/loss timing, Roth strategies, QCDs, and smart charitable giving.

01

Analyze

Brackets, NIIT/AMT exposure, carryforwards, and phase-outs.
02

Optimize

Location, harvesting, contribution/withdrawal order, and timing.
03

Coordinate

CPA collaboration, documentation, and ongoing monitoring.

What’s included

  • Annual tax projection & playbook with key thresholds and action windows.
  • Asset location map (taxable vs. tax-deferred vs. tax-free) and rebalance rules.
  • Tax-loss harvesting & gain realization schedule with wash-sale controls.
  • Roth strategy (backdoor/mega backdoor, conversions, and partial conversions).
  • Charitable strategies (QCDs, donor-advised funds, appreciated-asset giving).

How we evaluate tactics

We assess each tactic’s after-tax benefit, complexity, and time horizon. Quick wins (e.g., location tweaks) happen early; multi-year moves (e.g., staged Roth conversions) are scheduled against bracket forecasts and Medicare/IRMAA thresholds.

  • Bracket management: fill low brackets now, avoid bracket creep later.
  • NIIT/AMT controls: manage investment income and preference items.
  • Sequence awareness: line up contributions, conversions, and withdrawals in the right order.

Common modules

Asset location

Place tax-inefficient assets in tax-advantaged accounts; keep tax-efficient assets in taxable.

Harvesting policy

Systematic loss harvesting and gain realization around thresholds and wash-sale rules.

Roth roadmap

Backdoor/MDB strategies, partial conversions, and RMD mitigation in retirement.

Charitable planning

DAFs, QCDs, bunching deductions, and appreciated-asset gifting schedules.

What we need from you

  • Recent returns: last 2 years’ filed returns and any carryforward schedules.
  • Account data: statements for taxable, IRA/401(k), Roth, and HSA.
  • Upcoming events: RSUs/ISOs, business sales, real-estate transactions, or liquidity events.

Who this is ideal for

Professionals, retirees, and business owners who want coordinated, repeatable tax savings—not one-off tricks.

Review cadence

Quarterly touchpoints and a comprehensive year-end review; mid-year projection with CPA coordination to pre-empt surprises.

Getting started

Book an introductory call. We’ll confirm scope, deliverables, timelines, and fees, then begin with your projection and playbook.