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Tax Planning

Your tax bill is a design flaw. We redesign it.

Year-round planning for high-income professionals, business owners, and real estate investors. We model the numbers before you make the move, then implement the strategies that fit your income, your business, and the wealth you are building.

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Who we serve

  • High-income W-2 professionals
  • Physicians and medical practices
  • Business owners and S corps
  • Real estate investors
  • Founders with equity
  • Families building generational wealth
  • Cross-border U.S. and Mexico clients

Preparation reports on the year that happened. Planning shapes the year ahead.

Most tax savings are decided before December 31, in how income is earned, how entities are structured, and when assets are bought, sold, or given. We work in that window, with written models that show the tax effect of each decision before you commit to it.

For Individuals and Families

Keep more of what you earn, and more of what you have built.

Strategies for households where income is high, investments are growing, and the default tax outcome is expensive.

  • Retirement Plan Design

    401(k) and Solo 401(k) optimization, after-tax contributions and the mega backdoor Roth, backdoor Roth IRAs, and SEP versus Solo 401(k) comparisons for self-employed income. We size contributions to the bracket you are trying to leave.

    • 401(k)
    • Solo 401(k)
    • Backdoor Roth
    • Mega backdoor Roth
    • HSA

  • Defined Benefit and Cash Balance Plans

    For owners and professionals with strong, steady income, a defined benefit or cash balance plan allows deductible contributions well above 401(k) limits, often stacked with a 401(k) for the largest available deferral. We model the contribution, coordinate plan design with the actuary and administrator, and fold it into your broader tax plan.

    • Cash balance
    • Defined benefit
    • Plan stacking
    • Actuarial coordination

  • Roth Conversion Modeling

    Multi-year conversion schedules that fill lower brackets on purpose, with Medicare IRMAA tiers, the 3.8% net investment income tax, and future required distributions all in the model. Especially valuable in sabbatical years, early retirement, or a business down year.

    • Bracket filling
    • IRMAA
    • RMD planning
    • Multi-year model

  • Charitable Strategies

    Donor-advised funds, bunching gifts into high-income years, donating appreciated stock instead of cash, qualified charitable distributions from IRAs, and charitable remainder and lead trusts for larger goals. Every strategy is tested against the charitable deduction rules that took effect in 2026.

    • Donor-advised funds
    • Appreciated stock
    • QCDs
    • CRTs and CLTs
    • Bunching

  • Tax-Loss Harvesting and Investment Tax Management

    Harvesting losses without triggering wash sales, gain harvesting in low-bracket years, asset location across taxable and retirement accounts, specific lot selection, and direct indexing. We coordinate with your advisor so the portfolio and the return tell the same story.

    • Loss harvesting
    • Asset location
    • Direct indexing
    • NIIT

  • Equity Compensation

    Exercise and sale timing for ISOs, NSOs, RSUs, and ESPP shares, AMT modeling, 83(b) elections, and diversification plans for concentrated stock positions.

    • ISOs and AMT
    • RSUs
    • 83(b)
    • Concentrated stock

  • Real Estate for High Earners

    Short-term rental and real estate professional strategies, cost segregation, passive loss planning, and 1031 exchanges, structured so depreciation offsets the income you actually want to shelter.

    • Short-term rentals
    • REPS
    • Cost segregation
    • 1031

  • Financial and Wealth Planning

    Cash flow, investment policy, education funding with 529 plans, insurance review, and estate coordination. We work alongside our CFP and estate attorney partners so tax, investment, and legal decisions are made together.

    • Cash flow
    • 529 plans
    • Estate coordination
    • Gifting

  • Residency and State Tax Planning

    California residency, part-year moves, sourcing of income across states, and the SALT deduction limits. Relocations are planned and documented before the move, when it matters.

    • California residency
    • Relocation
    • SALT

For Businesses: Structural Strategies

The structure of a business decides its tax rate.

Entity choice, ownership, and compensation design are the largest levers a business owner controls. We build the structure first, then the strategies on top of it.

  • Entity Selection and Restructuring

    LLC, S corporation, C corporation, or partnership, chosen from a side-by-side model of your numbers. Includes S elections, conversions, and F reorganizations when a structure has outgrown its purpose.

    • S corp election
    • C corp
    • Partnerships
    • F reorganization

  • Multi-Entity and Holding Structures

    Holding companies, management companies, and real estate held outside the operating business and leased back. Intercompany agreements are drafted to hold up to review.

    • Holding company
    • Management company
    • Lease-back

  • Owner Compensation Design

    The salary and distribution mix supported by a reasonable compensation analysis, the qualified business income deduction, accountable plans, health and fringe benefits, hiring family members, and the Augusta rule.

    • Reasonable comp
    • QBI 199A
    • Accountable plan
    • Augusta rule

  • California PTE Elective Tax

    The pass-through entity elective tax lets owners of S corps and partnerships convert a capped personal SALT deduction into a business deduction. We model the election, timing of payments, and the owner-level credit.

    • PTET
    • SALT workaround
    • Owner credit

  • C Corporation and QSBS Planning

    When a C corporation makes sense, including Section 1202 qualified small business stock planning for founders who expect a future sale.

    • 21% rate
    • Section 1202
    • Founder planning

  • Depreciation and Asset Strategy

    Section 179, bonus depreciation, cost segregation on business real estate, and vehicle and equipment timing, planned against the income year where the deduction is worth the most.

    • Section 179
    • Bonus depreciation
    • Cost segregation

  • Credits and Incentives

    Research and development credits, domestic research expensing, and hiring credits, identified early and documented as the work happens.

    • R&D credit
    • Section 174
    • WOTC

  • Exit and Succession Planning

    Asset versus stock sale modeling, purchase price allocation, installment sales, earnouts, and charitable planning done before a letter of intent is signed.

    • Sale structuring
    • Installment sale
    • Pre-sale planning

For Businesses: Risk Mitigation

A strategy is only worth what it keeps under review.

We build defensibility into every plan: the documentation, the compliance, and the second look that keep savings from turning into exposure.

Audit Defense by Design

Contemporaneous records, reasonable compensation files, accountable plan substantiation, and strategy memos prepared as the work is done, so an examination is answered with documents instead of reconstruction.

  • Substantiation
  • Strategy memos
Asset Protection Through Structure

Separating operating risk from real estate, intellectual property, and cash, in coordination with your attorney.

  • Entity separation
  • Attorney coordination
Second-Opinion Strategy Review

Independent review of strategies pitched by promoters or other advisors, including arrangements the IRS has designated as listed or reportable transactions, before you sign or before you file.

  • Promoted strategies
  • Form 8886
Worker Classification and Payroll Compliance

Employee versus contractor analysis under federal rules and California's ABC test, payroll setup, and correction of past filings.

  • AB5
  • Payroll
  • 941-X
Multistate Nexus and Sales Tax Exposure

Where your business owes income, franchise, and sales tax as it grows, with voluntary disclosure when past exposure exists.

  • Nexus
  • Sales tax
  • Voluntary disclosure
Buy-Sell and Key Person Planning

Funded buy-sell agreements and key person coverage structured for tax efficiency, with our insurance, CFP, and legal partners.

  • Buy-sell
  • Key person
Estimated Tax and Penalty Management

Safe harbor estimates, withholding optimization, and quarterly projections so there are no surprises in April.

  • Safe harbor
  • Quarterly projections

Engagement Options

Two ways to work with us.

  • Individual Tax Plan

    A complete annual engagement for high-income earners and families: a written tax plan built on your numbers, hands-on implementation, your 2026 return, and protection if the IRS comes calling.

    • Written tax plan and savings model
    • Strategy implementation
    • Individual tax preparation included
    • Audit protection included
    • Introduction to our wealth management partners
    • Estate attorney consultation introduction
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  • Business Tax Plan

    A complete annual engagement for business owners: a written tax plan that connects your entity, compensation, and personal strategy, with implementation, your 2026 business and personal returns, and protection built in.

    • Written business tax plan and savings model
    • Entity and owner strategy implementation
    • Business tax preparation Included
    • Audit protection included
    • Introduction to our wealth management partners
    • Estate attorney consultation introduction
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Process

How planning works

  1. 01

    Strategy Session

    A focused conversation about your income, goals, and what is costing you the most.

  2. 02

    Onboarding

    Secure document collection and a review of prior returns, entities, and statements.

  3. 03

    Tax Plan Presentation

    A written plan with each strategy modeled, ranked, and explained.

  4. 04

    Implementation

    We execute alongside you: elections, plan setup, entity work, and documentation.

  5. 05

    Quarterly Check-ins

    Projections and adjustments as income, law, and life change.

  6. 06

    Filing

    The return reflects the plan, reviewed by the strategist who designed it.

Questions

Frequently asked

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When should I start tax planning?

As early in the year as possible. Many strategies, including retirement plan setup, entity elections, and charitable timing, must be in place before year end, and some before the year starts.

How is this different from what my tax preparer does?

A preparer records what already happened. We change what happens next, with written models, implementation support, and quarterly follow-up.

Do you only recommend strategies, or do you implement them?

We implement. That includes elections, plan coordination, entity work, and the documentation that supports each position.

Can you work with my existing CPA or financial advisor?

Yes. We regularly coordinate with outside CPAs, advisors, and attorneys, and we bring in our own CFP and estate attorney partners when a client needs them.

How do you estimate savings?

Every plan models savings as a conservative to aggressive range based on your actual numbers. We do not promise a specific result, and we show the assumptions behind every figure.

Also at Quint

One firm. Three disciplines working from the same numbers.

Planning, preparation, and accounting share one team and one set of books, so the strategy we design is the strategy that shows up on your return.

  • Tax Preparation

    Complex returns are our ordinary work.

    Explore Tax Preparation

  • Accounting

    Bookkeeping tells you what happened. Reporting tells you why. A CFO tells you what to do next.

    Explore Accounting

Find out what your current structure is costing you.

A Strategy Session is the first step. You leave with a clear view of where your largest opportunities are.

Book a Strategy Session(opens in a new tab)