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Tax & Financial Planning for
Financial questions rarely exist in isolation.
A new job brings with it a new 401(k). A change in income can affect how you contribute to an IRA. Student loans reduce the amount of income you can save for a new home. A new contract or per-diem position can create tax considerations that weren't there before. Self-employment has its own set of challenges and rewards.
My role is to help you understand those connections and make informed decisions — with tax strategy at the center, but with the broader financial picture in view.
Your Financial Priorities Evolve
Building & Accumulating
Retirement contributions, tax-efficient saving, competing financial priorities, career/income changes, education funding, major purchases.
Preparing for Retirement
How much is enough, account structure, Roth conversions, tax planning, Social Security timing considerations, healthcare, and transitioning from accumulation to withdrawals.
Living in Retirement
Retirement distributions, tax management, Roth conversions where appropriate, Social Security/Medicare interactions, investment-income taxation, charitable giving, estate-related coordination, and major financial decisions.
How I Help
Tax Preparation
Preparation of your individual return with attention to the planning opportunities and issues revealed by it.
Your tax return is more than a set of forms. It's also an opportunity to understand what's driving your tax situation and identify issues worth addressing in the future.
As an Enrolled Agent, I approach tax preparation from a tax specialist's perspective. I prepare individual returns with particular attention to situations that open the door to tax planning opportunities.
My preparation service includes:
Individual federal and applicable state income tax returns
Self-employment and small-business returns
Rental real estate and investment activity
W-2, 1099, and other income sources
Retirement accounts and investment income
Tax situations that require coordination across multiple areas
I also want you to understand what your return is telling you — including items that may deserve attention before the next tax year.
Interested in tax preparation?
Focused Planning Sessions
For a particular decision — retirement contributions, Roth conversions, a career transition, retirement readiness, education funding versus retirement, or another significant tax or financial question.
These focused sessions are designed for significant decisions that go beyond a routine tax question.
Tax & Retirement Account Strategy
Evaluate retirement contributions, account types, income levels, and other tax considerations as your career and compensation change.
Wealth Accumulation Planning
As you get started or into the middle of your career, you may need some guidance as to how to put all the pieces of your financial life together. We can dive into student loans, emergency funds, retirement accounts, HSAs, home buying, and other aspects of your personal finances.
Starting a Real Estate Portfolio
Have you thought about investing in real estate but don't know where to begin? Let's build a plan so you can start your own real estate portfolio.
Roth IRA Conversion Strategy
As you get closer to retirement, you may want to convert your retirement plans into a Roth IRA to minimize taxes in retirement. We can review your holdings and determine the best strategy to make that happen.
Retirement Planning
Will the numbers work for retirement? Where do you draw your income from? How will Social Security and Medicare affect your plan for retirement? These are questions I can help with as you prepare to draw down from your nest egg.
Other Significant Financial Decisions
Not every important question fits neatly into a predefined category. If you're considering a significant financial decision and aren't sure how the tax pieces fit together, that's something we can discuss.
Interested in scheduling a session?
Ongoing Financial Consulting
For people who want an advisor they can turn to throughout the year as questions and decisions arise, without handing over their investment portfolio.
Some clients don't want a traditional investment manager or a large financial-planning firm where they're treated like a number. They want someone they can turn to when an important financial question comes up.
Ongoing consulting provides a continuing relationship for working professionals, pre-retirees, and retirees who want a knowledgeable sounding board throughout the year.
Depending on your situation, conversations may involve:
Tax planning and tax-related decisions
Retirement account strategy
Real estate decisions
Debt and financing considerations
Home purchases
Education planning
Business and income decisions
Other financial questions that intersect with your tax situation
I don't manage investment portfolios or sell financial products. My role is to help you understand the issues, evaluate the alternatives, and connect individual decisions to the broader financial picture.
Interested in ongoing financial consulting?
Taxes are Part of Nearly Every Financial Decision
The decision that looks best before taxes isn't always the one that looks best afterward.
Retirement contributions, Roth conversions, investment gains, Social Security, charitable giving, real estate, education funding, and even the timing of major purchases can interact with your tax situation.
That's why I don't view tax planning as something that happens only when your return is prepared. I look at the decisions surrounding the return as well.
A Different Approach
You don't necessarily need someone to manage your investments in order to benefit from financial advice.
I don't manage investment portfolios or sell insurance or investment products. My role is to help you understand your options, evaluate the tax and financial considerations, and make informed decisions.
Sometimes that means answering a specific question. Sometimes it means helping you think through several interconnected decisions. And sometimes it means being someone you can turn to as your financial life changes.
Have a Question?
Tell me what's going on, and I'll help determine whether one of these services is the right fit.
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