Strategic Tax Planning
That Saves You Thousands
Partner-led tax reviews and implementation with our CPA network
Why Tax Planning Matters
The difference between tax preparation and tax planning
Tax Preparation
(What most people do)
- →Happens after the year is over
- →Focused on filing returns and compliance
- →Limited opportunities for tax savings
- →Reactive approach, "too late" to make changes
- →One-time annual event
Tax Planning
(What we do)
- ✓Happens throughout the year (proactive)
- ✓Focused on minimizing tax burden legally
- ✓Strategic use of tax code to save thousands
- ✓Forward-looking, "there's still time" to optimize
- ✓Ongoing partnership and strategy sessions
Lifetime Tax Savings
Over your remaining earning years and your 20-30 retirement years, we can save you millions in estimated taxes compared to a reactive approach. These savings compound, allow you to reinvest, and significantly increase your net worth.
Reduction of 2026 W2 income for Married Filing Jointly
Reduction in 2026 Earned Business Income
Reduction of 2026 Capital Gains income
Coordinating With Your CPA
We don't replace your CPA, we enhance their work. Our tax planning strategies are implemented in coordination with your existing CPA, ensuring seamless execution. If you don't have a CPA, we partner with Mark Machnic, CPA, who can provide comprehensive tax preparation and planning services.
Our Tax Planning Approach
A proactive, year-round strategy to minimize your tax burden
Annual Tax Projection
We project your tax liability for the current year before year-end, identifying opportunities to reduce your burden through strategic timing of income and deductions.
Multi-Year Tax Strategy
Rather than optimizing one year at a time, we develop 3-5 year tax strategies that manage your tax brackets, Roth conversions, capital gains, and Social Security taxation.
Roth Conversion Planning
Strategic Roth conversions in low-income years can save tens of thousands in lifetime taxes. We identify optimal conversion amounts and timing to minimize tax drag.
Qualified Dividend Strategies
We structure your portfolio to maximize tax-advantaged income like qualified dividends and long-term capital gains, which are taxed at lower rates than ordinary income.
Tax-Loss Harvesting
We systematically harvest investment losses to offset gains, reducing your capital gains tax liability and creating tax deductions you can carry forward.
Entity Structure Planning
For business owners, we coordinate with CPAs on entity structure (LLC, S-Corp, C-Corp), retirement plan design, and strategies to maximize deductions.
Meet Our CPA Partner: Mark Machnic
Expert tax preparation and strategic planning
Mark Machnic, CPA
Certified Public Accountant
🎓 Credentials & Experience
- • Certified Public Accountant (CPA)
- • 15+ years tax planning and preparation
- • Specialized in high-net-worth individuals
- • Business owner tax strategy expert
💼 Areas of Expertise
- • Multi-state tax planning
- • Real estate investor taxation
- • Retirement income optimization
- • Equipment leasing strategies
- • Entity structure & business planning
Our Partnership Model
Mark Machnic works closely with our financial planning team to ensure your tax strategy is fully integrated with your investment, retirement, and estate plans.
- ✓Quarterly strategy meetings with your advisor
- ✓Year-round tax projections and planning
- ✓Seamless coordination for complex strategies
- ✓Direct access for tax questions and guidance
Specialized Tax Strategies
Advanced planning for sophisticated clients
Equipment Leasing Strategies
Tax-advantaged investments with depreciation benefits
How Equipment Leasing Works
Equipment leasing programs allow investors to purchase commercial equipment (construction, medical, transportation) and lease it to businesses. The investor receives:
- •Depreciation deductions (often 100% in year 1 via bonus depreciation)
- •Lease income from businesses using the equipment
- •Residual value when equipment is sold or re-leased
When Equipment Leasing Makes Sense
- ✓High income earners ($250K+ annually)
- ✓Need significant current-year tax deductions
- ✓Comfortable with 5-7 year investment horizon
- ✓Can afford to tie up capital in illiquid investment
- ✓Want diversification beyond traditional investments
⚠️ REQUIRED DISCLOSURES - Important Risks
Illiquidity: Equipment leasing is a long-term investment (5-7 years). Early exit may result in significant losses.
Depreciation Recapture: If equipment is sold for more than depreciated value, you may owe ordinary income tax on recaptured depreciation.
Market Risk: Equipment values can decline. Residual values are not guaranteed.
Passive Activity Rules: Losses may be limited if you don't meet IRS "material participation" requirements.
Audit Risk: Equipment leasing investments are subject to IRS scrutiny. Proper documentation and compliance are critical.
Equipment leasing is NOT suitable for everyone. Consult with your CPA and financial advisor before investing.
Roth Conversion Strategies
Tax-free growth and withdrawals for life
When to Convert
- • Low-income years (between retirement and RMDs)
- • Market downturns (convert more shares at lower values)
- • Before Social Security begins
- • Years with large tax deductions
- • While in lower tax brackets
Tax Bracket Management
We calculate precisely how much to convert each year to "fill up" lower tax brackets without pushing you into the next bracket.
Example: Convert $50K when in 22% bracket rather than waiting until RMDs force you into 24% or 32% brackets.
Multi-Year Planning
Roth conversions are most effective as a multi-year strategy (ages 60-72). We model your tax liability over 10-15 years to optimize timing and amounts.
Business Owner Tax Strategies
Maximize deductions and minimize tax burden
Entity Structure Optimization
S-Corp vs. LLC vs. C-Corp, each has unique tax benefits. We coordinate with your CPA to optimize structure for your situation.
- • Self-employment tax savings (S-Corp)
- • Pass-through deduction (QBI)
- • Qualified Small Business Stock (QSBS)
Qualified Business Income (QBI)
Section 199A allows up to 20% deduction on qualified business income. We ensure you maximize this powerful deduction.
Retirement Plan Design
Solo 401(k), SEP-IRA, Cash Balance Plans... we help design retirement plans that maximize deductions while building wealth.
- • Deductions up to $66K-$73K annually
- • Cash balance plans for $100K+ contributions
Our Tax Planning Calendar
When we meet throughout the year to optimize your taxes
January - March
- • Tax return preparation (prior year)
- • Review actual vs. projected taxes
- • IRA contribution deadline (Apr 15)
- • Initial tax projection for current year
- • Prepare current year tax strategy plan
April - June
- • Mid-year tax projection update
- • Roth conversion planning
- • Estimated tax payment review
- • Business owner QBI optimization
- • Deadline for BrightTax 2026 Strategy Setup
- • Implementation of Action items for tax strategy
July - September
- • Updated tax projection
- • Tax-loss harvesting review
- • Quarterly estimated payment (Sep 15)
- • Year-end strategy planning begins
- • LATE BrightTax 2026 Strategy Setup
- • Rapid Catch Up for Action items for tax strategy
October - December
- • Final tax projection & year-end moves
- • Roth conversion execution
- • Charitable giving strategies
- • Retire debt or prepay expenses
- • Tax-loss harvesting execution
- • Next Year Tax Planning
Key Deadline Awareness
Missing tax deadlines can cost thousands. We proactively remind you of critical dates and ensure strategies are executed on time.
April 15
Prior year IRA contributions
December 31
Roth conversions, charitable giving
Quarterly
Estimated tax payments
Age 73
Required Minimum Distributions begin
Ready to Save Thousands in Taxes?
Schedule a complimentary tax strategy review to identify opportunities to reduce your tax burden.