Core Service
Tax Planning & Analysis.
Tax strategy isn't just for April. We build year-round approaches that reduce what you owe and protect more of what you've earned.
About This Service
What Is Tax Planning & Analysis?
Tax planning is the process of legally minimizing what you owe through timing, structure, and coordination — throughout the year, not just at filing. It's different from tax preparation, which simply records what already happened.
At Base Wealth Management, we analyze your income sources, investment accounts, retirement strategy, and life circumstances to find opportunities that reduce your tax bill today and position you better for the future.
This includes coordinating Roth conversions, harvesting investment losses, optimizing deductions, timing income and distributions, and making sure your investment accounts are structured to minimize drag from taxes over time.
The key distinction: Tax preparers file your return. Tax planners work before the return is filed to change what that return shows. We do the latter.
Strategies We Use
Proactive Moves We Make for You.
These are the specific strategies we implement throughout the year — not at filing time, but before decisions are locked in.
Moving pre-tax retirement dollars to Roth while your rate is favorable — before RMDs or higher income force a worse time.
Selling investments at a loss to offset realized gains, reducing your tax bill without changing your long-term allocation.
Placing the right investments in the right account types to minimize annual tax drag across your entire portfolio.
A legal contribution strategy for high earners who exceed traditional Roth income limits.
Donating directly from an IRA to satisfy your RMD — keeping the distribution out of your taxable income entirely.
Concentrating charitable and deductible expenses into alternating years to exceed the standard deduction threshold.
Managing income in the years before Medicare enrollment to avoid premium surcharges tied to prior-year income.
Planning the timing and amount of required minimum distributions to reduce lifetime taxes and preserve more for beneficiaries.
Who This Is For
Built for Anyone Paying More Than They Should.
Tax planning has the highest impact for people with income from multiple sources, significant investment accounts, retirement assets to distribute, or a major financial event on the horizon.
Our Process
How We Build Your Tax Strategy.
We take a structured approach that looks forward, not just back, to find the opportunities that lower your lifetime tax burden.
Free Discovery Call (15 Min)
We start by understanding your income sources, account types, and any major events you know are coming in the next few years.
Income & Account Review
We map your current tax situation — W-2, self-employment, investment income, required distributions — and identify where the pressure points are.
Deduction & Credit Audit
We review deductions, credits, and elections you may have missed or underused, including HSA strategy, charitable giving structure, and depreciation.
Roth Conversion & Withdrawal Analysis
We model the tax impact of Roth conversions, account distribution order, and Social Security timing to find the lowest-cost path through retirement.
Ongoing Coordination
We stay engaged through the year to implement changes as your income, markets, and tax law shift — not just at filing season.
By the Numbers
The Case for Year-Round Tax Strategy.
Most tax decisions happen by default. These numbers show what active planning can change.
Common Questions
Frequently Asked Questions.
We are financial planners, not CPAs. We build tax strategy and coordinate closely with your tax preparer or CPA. If you don't have one, we can recommend qualified professionals we trust.
A Roth conversion moves pre-tax retirement money (traditional IRA or 401k) to a Roth account, paying taxes now to avoid them later. Whether it makes sense depends on your current rate, projected future rate, time horizon, and other income. We model this specifically for your situation.
Tax-loss harvesting sells investments at a loss to offset capital gains elsewhere in your portfolio. Done strategically through the year, it can meaningfully reduce your investment tax bill without changing your long-term allocation.
Yes. We look at asset location (which investments belong in taxable vs. tax-advantaged accounts), turnover, dividend drag, and withdrawal sequencing to reduce the tax burden on your investment portfolio over time.
The best time is well before year-end when there's still time to act. The second-best time is now. Many of the most valuable moves — Roth conversions, loss harvesting, deduction timing — have to happen before December 31.
Ready to Pay Less?
Let's Build Your Tax Strategy.
The first conversation is free, takes 15 minutes, and tells you whether there are meaningful tax savings available in your situation. No commitment required.