Broker Check

Tax Planning

Do You Have a Personalized, Proactive Tax Plan?

Tax Planning can help you get the most out of your financial resources. 

We orient our tax planning efforts to help you answer questions, such as: 

  • Should I contribute to my Roth 401k or Traditional 401k? Or both?
  • Can I make a Backdoor Roth IRA contribution if I'm ineligible to make a regular Roth contribution?
  • How can I know if a Roth Conversion is right for me this year?
  • Is there anything I can do to adjust my Adjusted Gross Income to become eligible for a tax credit?
  • What actions can I take to manage my tax bracket? 
  • As a Small Business Owner, what can I do to reduce my taxable income while saving for my goals?
  • How can I be tax efficient with my charitable giving goals?

We Can Help:

  • Educate you about tax law changes and adjust your Plan accordingly
  • Advise on optimal retirement savings strategies (Roth v Traditional)
  • Analyze your investment portfolio for tax-law harvesting
  • Implement "Asset Location" strategies in your portfolio to shelter more income in tax-advantaged accounts
  • Optimize your investments for tax efficiency
  • Evaluate employer stock options strategies
  • Manage your tax bracket management in retirement
  • Analyze and advise regarding Roth Conversions
  • Implement Charitable Giving strategies and administration (Donor-Advised Funds, etc)
  • Integrate Tax Planning into your Retirement Income Distribution Plan

We collaborate with your tax and legal advisors to meet your Tax Planning needs. For a comprehensive review of your personal situation, always consult your tax and/or legal advisor. Neither Cetera Financial Specialist LLC nor any of its affiliates offer tax or legal service.

Is Your Financial Plan Tax Efficient?

Schedule a Discovery Meeting

Tax Return Review & Report

Tax-Efficient Investments

Roth Conversion Planning

Charitable Giving Strategies