Proactive tax strategy integrated into your financial plan

Tax planning should be part of every major financial decision — not something addressed only when returns are filed. Investment strategy, retirement income, business ownership, and estate planning all carry tax implications that compound over time.

At RBT Wealth, we take a forward-looking approach to tax planning. Our goal is to help clients make informed decisions throughout the year that improve long-term tax efficiency and support overall financial outcomes.

A Coordinated Approach

Effective tax planning requires coordination between your financial advisor and tax preparer. When these conversations happen in isolation, opportunities are often missed.

Our planning process incorporates ongoing communication and alignment between financial strategy and tax considerations. This allows investment decisions, retirement withdrawals, charitable planning, and other strategies to be evaluated through a long-term tax lens before implementation.

Because of our close working relationship with RBT CPAs, many of our clients benefit from a highly coordinated experience where planning and tax preparation can be aligned throughout the year. This structure allows for more proactive planning and efficient communication when implementing strategies.

Working With Your Existing CPA

For clients who already have an established relationship with an outside CPA firm, we are equally comfortable working alongside your current advisor.

In these cases, we coordinate directly with your tax professional to ensure:

• Financial planning decisions are aligned with your tax strategy

• Relevant planning insights are shared throughout the year

• Investment and retirement strategies are implemented thoughtfully

• Communication remains efficient and organized

Our goal is to enhance the planning process — not replace relationships that are already working well.

What Ongoing Tax Planning May Include

Tax planning is integrated into many areas of your financial life. Depending on your situation, planning may involve:

• Retirement income and withdrawal strategy

• Roth conversion analysis and timing

• Capital gain and loss planning

• Business income and entity considerations

• Charitable giving strategies

• Multi-year tax projections

We focus on long-term tax efficiency rather than isolated year-to-year decisions.

Integrated With Your Overall Plan

Tax planning is most effective when coordinated with investment management, retirement planning, and estate considerations. By evaluating decisions through both a financial and tax lens, we help clients move forward with greater clarity and confidence.

If you are looking for a more proactive and coordinated approach to tax planning, we invite you to begin a conversation with our team.

RBT Wealth and Osaic do not provide tax advice or services. Please consult your tax advisor regarding your specific situation.