- Your cart is empty Browse Shop
Reduce Lifetime Taxes. Keep More of What You Earn. Build a Smarter Legacy.
Tax Planning Strategies
At Imperio Wealth Advisors, tax planning isn’t a once-a-year conversation — it’s embedded into every aspect of your financial life. 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.
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.
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
Integrated, Not Isolated
What makes our tax planning different is how deeply it integrates with the rest of your strategy. We don’t treat taxes as a siloed topic—we treat them as a critical driver of your overall wealth strategy. That’s why clients trust us to work side-by-side with their tax professionals, estate attorneys, and business advisors to deliver fully coordinated 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
What are some common tax planning strategies?
Tax planning strategies are techniques employed to help minimize an individual or business’s tax liability. Some common tax planning strategies include maximizing deductions and credits, such as contributing to retirement accounts or making charitable donations, deferring income, or accelerating expenses. Another strategy is to take advantage of tax-advantaged investments, like municipal bonds or tax-deferred annuities. For businesses, strategies may include restructuring to take advantage of tax breaks, like relocating to a state with lower tax rates or changing the legal structure of the company. It is important to note that while tax planning can be beneficial, it is essential to comply with all tax laws and regulations to avoid legal and financial repercussions.
What are the potential benefits of tax planning?
Tax planning offers several potential benefits to individuals and businesses. First and foremost, it may allow them to minimize their tax liability and keep more of their hard-earned money. They may reduce their taxable income and pay fewer taxes by taking advantage of deductions, credits, and tax-advantaged investments; they may also reduce their taxable income and pay less taxes. Tax planning can also help individuals and businesses better understand their financial situation and plan for the future. Knowing their tax obligations in advance, they can budget accordingly and avoid surprises during tax time. Tax planning can help individuals and businesses comply with tax laws and regulations, reducing the risk of penalties or legal consequences. Overall, tax planning can help individuals and companies save money, manage their finances more effectively.
How can I save money on my taxes?
There are several ways to save money on taxes, we believe it begins with proactive planning. One strategy is to take advantage of deductions and credits, such as contributing to retirement accounts, making charitable donations, or claiming education-related expenses. Another approach is to defer income or accelerate payments, such as prepaying specific bills or making business purchases before the end of the tax year. Taxpayers may also consider investing in tax-advantaged accounts, such as Health Savings Accounts (HSAs) or Individual Retirement Accounts (IRAs). Additionally, it can be helpful to work with a tax professional to ensure all eligible deductions and credits are claimed and to avoid any mistakes or omissions that could result in penalties or fines.
What are some common mistakes people make when tax planning?
There are several common mistakes people make when planning taxes. One needs to keep accurate records of expenses and income, which can make it challenging to claim deductions or credits and increase the risk of an audit. Another is overlooking eligible deductions and credits, such as those related to education, home ownership, or charitable donations. Additionally, some people may engage in illegal or unethical tax strategies, such as underreporting income or claiming false deductions, which can lead to penalties, fines, or legal consequences. Another mistake is waiting until the last minute to do tax planning, which can result in missed opportunities and rushed decision-making. To avoid these mistakes, it’s essential to keep good records, work with a trusted tax professional, and stay up-to-date on tax laws and regulations changes.
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.
