Tax Planning Strategies
At Imperio Wealth Advisors, tax planning isn’t a once-a-year task; it’s embedded in every decision that touches your wealth. For entrepreneurs and families whose assets reside in taxable accounts, seeking to maximize after-tax results, in our opinion, requires a different playbook. Therefore, planning requires careful timing, strategic entity selection, thoughtful asset allocation, and close coordination across estate, investment, and risk planning. We partner with CPAs, tax attorneys, and specialists to help preserve wealth, facilitate multi-generational transfer, improve tax efficiency, and manage risk in a way that aligns with real family balance sheets.
As fiduciary advisors serving high-income professionals and families, we help you identify, execute, and optimize tax-efficient strategies that align with your long-term goals. Our focus is not just on annual savings, but on minimizing taxes over your lifetime and across generations.
Why Tax Planning Matters for High-Income Earners
If you’re earning $500K+ annually, contributing to multiple retirement accounts, managing equity compensation, or preparing for a business exit, your tax exposure could quietly erode your wealth. Our clients often have complex tax needs that go beyond the scope of traditional tax preparation. We provide proactive, year-round strategies that integrate directly with your investment, estate, and retirement plans.
We design tax-aware strategies for families, not tax-exempt pools, so your plan reflects the realities of concentrated positions, liquidity events, K1s, and evolving estate planning priorities. Our approach focuses on minimizing the impact of taxes, where possible, throughout your lifetime and across generations, not just this April.
Tax planning with Imperio includes real-time coordination with your CPA, forward-looking modeling, and personalized strategies such as Roth conversions, tax-loss harvesting, charitable giving, and asset location optimization. Whether you’re entering retirement or scaling a business, we help you keep more of what you’ve worked so hard to earn — without taking unnecessary risks.
When This Matters Most
- An upcoming sale of real estate or a private business (pre‑transaction and post‑liquidity design)
- A concentrated, low‑basis stock position (tax‑sensitive diversification and hedging)
- High earned income in top brackets (deferral, deduction, and income‑smoothing strategies)
How We Help
- Pre‑liquidity and exit planning: QSBS and QOF considerations, charitable strategies, trust coordination
- Tax‑aware portfolio design: asset location, gain/loss harvesting, distribution planning
- Concentration & single‑stock solutions: structured diversification, collars, 10b5‑1 plans
- Entity and cash‑flow architecture for family enterprises
- Integrated estate and risk planning aligned to after‑tax goals
Our Tax Planning Services Include:
Tax reduction strategies for professionals
- Strategic Roth IRA conversions
- Charitable giving & donor-advised fund planning
- Capital gains and tax-loss harvesting
- Tax-efficient retirement income withdrawals
- Equity compensation (RSUs, ISOs, ESPPs) planning
- Business owner entity & compensation structure reviews
- Multi-generational tax transfer strategies
Tax Planning Ideal For:
- High-income professionals seeking to reduce their adjusted gross income
- Tech executives and physicians with equity-based compensation
- Business owners navigating exit or succession strategies
- Families concerned about future estate and inheritance taxes
- Retirees looking to minimize RMDs and optimize Social Security timing
- Taxable investors with liquidity events, concentrated low‑basis holdings, or top‑bracket income
Integrated, Not Isolated
What makes our tax planning different is how deeply it integrates with the rest of your strategy. Taxes are not a silo—they are a driver of your overall wealth strategy. We coordinate directly with your tax professionals, estate attorneys, and business advisors to deliver fully aligned, year‑round solutions.
Download Our Tax-Smart Wealth Strategies Guide to get started, a 3-page PDF guide that walks high-income earners, professionals, and business owners through actionable tax planning strategies integrated into wealth building. It serves as a practical resource and a conversation starter for deeper planning.
FAQ’s
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External Planning Resources for Taxpayers & Investors
The tax planning and strategies referenced here may not be suitable for everyone and should not be construed as specific advice. Please consult your tax and financial advisor about your situation before making any personal financial or tax-related decisions.
Any tax discussions contained in this communication are not intended to be used, and cannot be used, for the purpose of (i) avoiding tax-related penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any tax-related matter addressed herein.
Tax-deferred accounts/products are taxed until you withdraw the money, typically after retirement. Withdrawals are subject to ordinary income tax and may be subject to an IRS 10% additional tax for early or pre-59 1/2 distributions. There is no assurance that any planning or investment strategy will be successful. Investing involves risk, including the possible loss of principal.
