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Tax Planning Strategies
For Long-Term Outcomes in a Complex Landscape
Coordinated Tax Strategies Across Income and Investments
At One Charles, our tax strategies support confident decision-making in complex tax environments. Through disciplined financial planning, we evaluate taxable income, income tax exposure, and potential tax liabilities in the context of each client’s financial future.
We consider adjusted gross income, tax deductions, and investment activity over time, and coordinate closely with each client’s tax advisor to ensure alignment with applicable tax laws and each person’s tax situation.
How We Help
We provide tax planning strategies that bring structure to decisions affecting income, wealth, and long-term financial outcomes. Our planning strategies are designed to adapt to changing income, evolving tax laws, and new tax legislation.
We help clients plan for income tax by evaluating income sources, ordinary income, capital gains, and investment earnings, with the goal of managing the tax bill and reducing tax liabilities over time.
We coordinate closely with each client’s tax advisor to support efficient tax return preparation and ongoing planning, including organization of tax records and review of deductible expenses, business expenses, and use of the standard deduction or itemized deductions.
We incorporate charitable contributions into broader tax strategies, including charitable donations, donor advised funds, and qualified charitable distributions, with attention to fair market value and applicable charitable deductions.
We assess how retirement accounts fit within a broader retirement plan, including traditional IRA and Roth IRA considerations, required minimum distributions, and use of tax advantaged retirement accounts.
When appropriate, we incorporate health savings accounts into tax planning to support tax free treatment of qualified medical expenses.
We evaluate tax loss harvesting strategies to help offset capital gains, manage realized gains, and remain aligned with wash sale rules and portfolio objectives.
For small business owners and self employed individuals, we coordinate planning related to income and business expenses, while considering longer-term issues such as gift taxes, the annual gift tax exclusion, and taxable estate exposure.
A Fiduciary Approach to Tax Strategy
As an independent advisory firm, we operate under a fiduciary duty rooted in objectivity. While we do not provide legal or tax advice, we integrate tax considerations into broader planning and investment decisions in our clients’ best interests.
Preparing for What’s Next
Tax planning is an ongoing process shaped by changes in tax laws and personal circumstances. We help clients adapt with confidence and maintain focus on long-term financial outcomes.
Contact our team to begin the conversation.
