Tax Planning That Goes Far Beyond April 15th
Proactive, year-round tax strategies designed to reduce your lifetime tax burden, not just this year's bill. Built by CPAs and CFP® professionals who manage your investments, your financial plan, and your tax return under one roof.
Proactive
Lifetime Tax Reduction
5 of 5
Strategies Active
This Quarter
Next Review
The Problem
The Most Expensive Tax Mistakes Happen Long Before Filing Season
These aren't careless mistakes. They're the predictable result of a system where your financial advisor doesn't think about taxes and your CPA only sees your financial life once a year, after every decision has already been made.
The gap between financial planning and tax planning is where money quietly disappears. We built our firm to close that gap.
Roth Conversion → IRMAA Surprise
Converted in October without checking Medicare thresholds
+$4,000/yr in Medicare premiums
December Rebalance → Capital Gains
Advisor rebalanced without consulting tax team
$60K in unexpected capital gains
Stock Options → AMT Hit
Exercised based on gut feeling, nobody modeled AMT
Five-figure tax bill discovered at filing
The cost of disconnected advice can compound significantly over a retirement.
The scenarios above are hypothetical illustrations and do not represent actual client results. Individual outcomes vary based on personal circumstances.
Why Most Tax Planning Falls Short
Your CPA Files Your Return. But Who's Actually Planning?
There's a difference between tax preparation and tax planning, and most people are only getting one. At United, tax planning isn't a separate service. It's woven into every financial and investment decision we make with you.
Tax Preparation
Compliance-focused
Tax Planning
Strategy-focused · United FPG
Proactive Tax Strategies
What Proactive Tax Planning Looks Like
Multi-Year Tax Projections
We model the tax impact of today's decisions across 5, 10, and 20+ year horizons, because a move that saves you $5,000 this year might cost you $50,000 over the next decade if nobody runs the numbers forward.
Roth Conversion Planning
We identify narrow conversion windows (between retirement and RMDs, or during low-income years), size conversions to stay within optimal brackets, and coordinate with your investment team so the money moves efficiently.
Equity Compensation Strategies
ISOs, NSOs, RSUs, and ESPP shares each come with different tax treatment and timing risks. We model exercise strategies against your full income picture, because the difference between November and January can be five figures.
Business & Personal Coordination
We handle both sides (business bookkeeping, business returns, and personal returns) so entity structure, compensation strategy, and retirement contributions are all optimized together.
Charitable Giving Optimization
DAFs, QCDs from IRAs, bunching strategies, appreciated stock donations: the right approach depends on your income, bracket, and broader plan. We maximize impact and tax benefit simultaneously.
Capital Gains & Bracket Management
We monitor taxable income throughout the year and coordinate with your portfolio manager (because they're down the hall, not across town) to time sales, harvest losses, and manage distributions.
What Changes When Tax Planning Shares a Roof
Strategies That Get Implemented, Not Just Recommended
Here's the dirty secret of the advisory industry: tax planning recommendations that cross firm boundaries rarely get executed. Your advisor suggests a Roth conversion. Your CPA pushes back. Nobody follows through. The window closes.
When your tax planner, financial planner, and investment manager are on the same team, that breakdown doesn't happen. Strategies move from idea to implementation because there's no game of telephone.
One team. One conversation. Done.
CPA identifies conversion window
CFP® professional confirms alignment with retirement plan
Portfolio manager moves the assets
Strategy identified → confirmed → executed. Same day.
Year-Round, Not Once-a-Year
Tax Planning That Doesn't Wait for You to Call
Most tax advice is reactive. Something happens, you call your CPA, they tell you what you should have done differently.
Our approach is the opposite. We monitor your situation throughout the year and reach out when we see an opportunity or a risk. You shouldn't have to be your own tax strategist. That's what you're paying us for.
Legislation
Monitoring
Income
Monitoring
Portfolio
Monitoring
Latest Alert
New tax legislation passed
Modeling impact on your Roth strategy…
Proactive Actions This Quarter
Modeled SECURE Act impact on RMD schedule
Harvested losses during March dip
Adjusted Q3 estimated payments for bonus income
Identified optimal QCD window for charitable giving
How This Connects to Your Full Financial Picture
At United Financial Planning Group, every service is informed by the others. No silos, just one integrated team working across your entire financial picture.
Tax Preparation
Your tax plan is only as good as your return. Our CPAs file every return they plan.
Investment Management
Tax-efficient investing and portfolio rebalancing managed alongside your tax strategy.
Equity Compensation
RSU and stock option tax planning requires year-round coordination. We specialize in both.
What Our Clients Say
Hear from families and professionals who work with our integrated team.
Our Fees
Transparent, fee-only pricing with no commissions or hidden costs.
Guidance from our team of CFP® professionals, CPAs, and Enrolled Agents. Meet the team
Last updated: March 2026
Stop Leaving Money on the Table Every April
Schedule a no-pressure conversation. We'll talk about your current tax situation, where the gaps might be, and whether a more proactive approach could make a meaningful difference.