Tax Time: It isn’t just in April.
Most people see their tax preparer once a year. By then, the decisions that mattered are often already made.
Filing a return only records what already happened. Tax Planning changes what happens. Roth conversion timing, withdrawal sequencing, gain harvesting, and charitable strategy all have to be decided before December 31st, not in April of the next year.
Secure Your Legacy!Tax Planning Connects To Everything Else.
Tax planning isn't one-size-fits-all. Let's explore specific solutions for your situation.
Investment Tax Strategy
Cost basis and lot selection, gain and loss harvesting, and where each asset class is best held across taxable and tax-deferred accounts.
Retirement Tax Planning
Withdrawal sequencing, Roth conversion windows, required minimum distributions, and how Social Security income is taxed.
Small Business Tax Strategy
Entity structure, owner compensation, retirement plan selection, and the tax mechanics of planning an exit. We also offer bookkeeping and payroll services!
Tax Preparation Services
Federal and state return preparation through Trajan Tax, working from records your advisor already maintains. Learn more below!
What Year-Round Tax Planning Can Do For You
How We Work
Tax Strategy Review
We'll look at your last return, your account registrations, and your income plan together.
Multi-Year Projection
We can model your tax picture across the coming years, not just the current one.
Decisions Before Deadlines.
We flag all the moves with calendar deadlines — conversions, RMDs, harvesting, QCDs — while there is still time to make them.
Preparation and Filing.
Trajan Tax prepares and files the return.
The Family Office Approach: One Team. Your Advisor, Your Tax Team, And Your Estate Attorney.
Most advisors coordinate with your CPA. Trajan’s Family Office approach means the people managing your portfolio, preparing your return, and drafting your trust are all parts of the organization.
Wealth
Portfolio management and financial planning.
Tax
Tax planning and preparation.
Estate
Estate planning, trusts, and asset protection.
Your advisor, your tax team, and your attorney can all work from the same information in real time. No summaries passed between strangers.Build Your Financial Team Today
Common Questions About Estate Planning
Preparation reports what already happened. Planning changes what happens while the year is still open — which account you draw from, when you convert, when you harvest a gain. Trajan does both with in-house CPAs.
Conversion windows tend to open when taxable income dips, often after you stop working but before Social Security and required minimum distributions begin. Whether one makes sense depends on your current bracket, your projected bracket, and where the money to pay the tax comes from. We can model it across several years, rather than one.
There is no single right order for everyone. Sequencing across taxable, tax-deferred, and Roth balances affects your bracket each year and how much of your Social Security is taxable. We build the order around your income plan rather than a rule of thumb.
Distributions from traditional IRAs and 401(k)s are generally taxed as ordinary income in the year you take them, and state treatment varies. The planning question is usually not whether you will pay, but in which years and alongside what other income.
Both. Trajan Tax prepares and files federal and state returns. Because the tax team sits alongside your advisor, they can access the same account records.
Not for your first filing. Trajan Tax can prepare and file one return for you without an investment management relationship. Continuing past that first filing does require becoming a Trajan Wealth client, because the planning work runs year over year rather than season to season. Clients also pay a reduced preparation fee.
Start With A Complimentary Consultation
Creating a long-term tax strategy can feel overwhelming without a partner who knows what they’re doing. Bring your questions. We’ll walk through what you have, what’s missing, and what makes sense for your situation.
