Tax Projection Analysis

Understanding Your Tax Landscape—Now and in the Future

Sometimes, people find themselves in a stable financial situation, sitting comfortably in the middle of a tax bracket. In these cases, there may not be much immediate need for advanced tax planning. You don’t always need a long-term, detailed tax projection.

But other times, there’s a lot more going on than you might realize.

That’s where tax projection analysis becomes an important tool. We look at your current tax situation, explore what’s likely to happen over the next few years, and help you understand your long-term tax trajectory.

Asking the Right Tax Questions

This kind of analysis often reveals opportunities and risks you might not have considered, such as:

• How do Social Security income inclusion rules affect the way I handle income in my early 60s before I start collecting benefits?

• If I’m buying health insurance on the Marketplace, how do subsidies and income thresholds impact my taxes in early retirement?

• What bets am I making by choosing a Roth contribution over a pre-tax contribution, or doing a Roth conversion?

• What is the tax impact of selling low-basis stock, company equity, or exercising stock options—and how does that compare to the investment risk of holding them?

• How does variable income year to year influence my tax planning strategy?

• Should I hold stocks or bonds in this specific account? What’s the tax difference based on asset location?

• What bets am I taking by choosing a High Deductible Health Plan (HDHP) with an HSA versus a lower deductible traditional health plan?

Tax Planning Tailored to You

Every financial decision has a tax consequence—some obvious, some hidden. With thoughtful tax projection and analysis, we can help you make informed decisions that minimize your tax liability and align with your long-term goals.