Tax Planning

Comprehensive financial planning isn’t just about investments and retirement plans, it's also about minimizing expenses. And one of the most effective ways to minimize expenses is to shrink your tax bill. This is where tax planning comes in.

No matter your age, income, financial goals, or filing status – taxes are a major annual expense. Our tax planning service provides crucial financial strategies to reduce your overall tax liability.


By taking a close look at your current and prior-year tax returns, we can proactively identify opportunities to decrease future taxes owed. We want to help you be as tax efficient as possible – in other words, we want to make sure you aren’t paying unnecessary taxes. Some of the ways we help our clients minimize their tax burden include asset location strategies, income timing, Roth contributions and conversions, gain-loss harvesting, and charitable giving strategies.


Asset Location Strategies

Did you know that different types of investments get different tax treatments? Understanding how to allocate your investments into taxable, tax-deferred, and tax-exempt accounts will allow you to take advantage of their unique tax treatments to maximize your after-tax returns.

Income Timing 

Our financial planning team systematically requests and reviews your tax return to identify potential income timing strategies. We explore flexibility in your income, as well as your deductions, to look for opportunities to help you move into lower tax brackets.

Roth Contributions and Conversions

Roth IRAs (Individual Retirement Accounts) and Roth 401(k)s provide an opportunity to diversify the tax status of your retirement income. Our financial planners provide guidance on when and how to best take advantage of these unique investment vehicles.

Tax-Loss Harvesting 

Our investment team proactively reviews your taxable portfolio holdings to identify and execute tax gain or loss harvesting. Tax-loss harvesting strategies help reduce your tax liability by offsetting the amount you have to claim as capital gains.

Charitable Giving Strategies

Giving to charity can provide a tax planning incentive by reducing your federal tax liability, estate taxes, and capital gains taxes. But, not all donations are created equal. It often requires thoughtful and intentional planning to move the needle. Our financial planners utilize advanced charitable strategies including Qualified Charitable Distributions and Donor Advised Funds to help you make the most of your generosity.

Why Choose Affiance Financial for your tax planning needs? 

Affiance Financial provides individualized tax planning services based on your income, assets, and financial goals. We make it a priority to remain curious, and keep up to date with complex tax codes, current tax laws, and emerging regulations. With decades of combined experience, our financial planning team can identify your unique opportunities and create a plan to help you capitalize on them. Our dedicated client support team will help you implement your tax planning strategy with the care, support, and the accurate delivery we pride ourselves on.


We’re Here to Help 

Taxes are an unavoidable part of life. While there's no getting away from the IRS – there are ways to minimize the amount you owe through strategic tax planning. You work incredibly hard for your money, and we believe in helping you preserve as much of it as possible. 

Affiance Financial offers a wide range of tax planning services you can take advantage of today. Contact us to discover how we can provide you with personalized tax strategies focused on your goals. 

Start Today 



You should always consult an attorney or tax professional regarding your specific legal or tax situation. All investment strategies have the potential for profit or loss.