tax planning services person writing in a notebook and typing on a calculator in Vermont

Tax Planning Services Vermont

Tax reduction presents the greatest opportunity for increasing one’s lifetime resources. Period.

Vermont Tax Planning Services

Tax planning is the centerpiece of our process. Where you save your money, and where you draw it from later on can, by itself, make or break the success or your strategy.

Taxable Accounts

(i.e., brokerage, savings and checking accounts)
These accounts are funded with after-tax dollars, and produce taxable income or capital gains. One of their most valuable features is the flexibility they offer. That is, you can put as much money as you want in them, and draw it out whenever, and for whatever you want.

Tax-Deferred Plans

(i.e., Traditional IRA’s, 401(k)’s, 403(b)’s, and deferred compensation and pension plans)
The money you put in these accounts is not included in your current taxable income, but you are required to begin withdrawing it at age 70½ and pay the taxes then on your contributed amount and also on the investment earnings. Postponing taxation on a portion of your income into the future may make sense, but accumulating all or most of your retirement resources in these types of accounts can severely limit tax planning flexibility.


(i.e., Roth IRA and 401(k), permanent Life insurance, and municipal bonds)
Tax must be paid on the money used to fund these types of accounts before being contributed, but when structured properly, the investment earnings can be withdrawn tax free. This can be a very powerful tool.

Tax Planning

Tax planning needs to happen before April 15th. Before the end of the year we help our clients project their taxable income and make recommendations to optimize their tax bracket.

Ready to take control of your finances?

Sign up for our newsletter and get on the path to financial well-being!