Strategic Tax Planning
Tax law intersects every financial decision you make. Year-round, proactive tax planning coordinates your investments, income, and estate strategy to keep more of what you’ve built.
Tax Planning for Complex Wealth
Multi-year, tax-smart strategies can produce tangible savings for complex estates and high-income families.
Retirement Income & Distribution
Coordinate withdrawals from taxable, traditional, and Roth accounts, strategically time Roth conversions, manage required minimum distributions, and limit exposure to higher tax brackets and Medicare surcharges.
Estate, Gift & Charitable Strategy
Combine revocable and irrevocable trusts, lifetime gifts, charitable techniques, and available exemptions to minimize estate and gift taxes, manage capital gains, and reduce potential income taxes for your heirs.
Tax-Alpha Investment Management
Tax-Alpha strategies target the gap between pre-tax and after-tax returns. This includes tax-loss harvesting, asset location across account types, holding-period management, and tax-optimized withdrawal sequencing.
Collaboration
Your financial, legal, investment, and estate planning professionals coordinate from a shared strategy, keeping your tax plan aligned with every major decision throughout the year.
Meet Elayne
Elayne specializes in identifying tax-saving opportunities across complex financial situations. Her work increases net investment returns, improves cash flows, and preserves the capital that funds your long-term financial plan.
Elayne Pisarik, CFP®, CLU, ChFC, CDMM, MS, M.Tax
With 3 degrees, 4 certifications and 34 years of experience, Elayne is among the industry's most highly qualified advisors.
Tax-Smart Strategies
Integrated Tax Planning Across Your Investments, Income, and Estate
Tax-Efficient Investing & Portfolio Design
- Asset location across taxable, IRA, and Roth to cut ongoing tax drag
- Ongoing tax-loss and gain harvesting with wash-sale awareness.
- Realized-gain budgets to avoid April surprises
- Total return investment strategies that account for inflation, fees and taxes.
Retirement Income & Roth Strategies
- Tax-smart withdrawal order across taxable, pre-tax, and Roth accounts
- Multi-year Roth conversion plan using low-tax years and market opportunities
- RMD and charitable-IRA timing to reduce lifetime taxes
- Limiting surprise add-on taxes and Medicare premium surcharges
- Social Security timing coordinated with the rest of your tax plan
Estate, Gift & Charitable Planning
- Trust coordination (revocable, SLAT/ILIT/GRAT) with your estate advisors
- Annual-exclusion gifting, 529 “superfunding,” and lifetime-exemption strategies
- Structure charitable giving with appreciated assets and IRAs to cut taxes
- Align beneficiaries, titling, and step-up rules across accounts
- Plan business exits and equity comp with your CPA for tax efficiency
Ready to see if we're the right fit?
If your wealth has grown beyond what simple advice can manage, we should talk.
Tax Planning FAQs
Your tax plan incorporates strategies across deferral, gain and loss harvesting, deduction optimization, income recognition timing, withdrawal sequencing, and estate tax mitigation. Applied consistently, these strategies reduce your lifetime tax burden.
Your tax plan is coordinated across your CPA, attorney, and investment team. Relevant data and strategies are shared so each professional works from the same foundation.
Send your most recent federal tax returns and any supporting schedules/K-1s. We perform an efficiency review of your return and monitor changes in income, deductions, brackets, exemptions, and credits throughout the year.
Tax coordination is included in every Private Wealth Management and Private Family Office engagement. For families with multi-entity structures or advanced complexity, your FinancialTeam includes a dedicated tax specialist.
Tax-efficient portfolio management targets the gap between gross and net returns. This includes harvesting losses to offset gains, minimizing the tax impact on cash flows, and positioning assets across taxable and non-taxable accounts to keep your portfolio optimized over time.