As wealth grows more complex, tax planning becomes less about individual deductions and more about how financial decisions interact across accounts, entities, assets, and generations.
At VIP Wealth Advisors, tax planning is integrated with your broader financial strategy. We help coordinate investment decisions, capital gains, equity compensation, business income, charitable giving, and estate considerations so the tax implications are evaluated before important decisions are made.
And because we also provide in-house tax return preparation, the information used to build your financial plan informs the returns we prepare. Planning and filing are connected rather than treated as separate annual exercises.
Why Integrated Tax Planning Matters
A decision that appears tax-efficient on its own may create consequences elsewhere.
Selling concentrated stock can generate substantial capital gains. Exercising equity compensation may affect ordinary income or Alternative Minimum Tax. A business liquidity event can introduce new planning considerations. Charitable contributions, trust distributions, and retirement withdrawals can change the tax picture across multiple years.
The objective isn't simply to minimize this year's tax bill. It's to make tax-aware decisions that support your overall wealth strategy over time.
Our approach evaluates these tradeoffs in the context of your investments, liquidity needs, family priorities, and long-term goals.
What's Included
From routine reporting to significant transactions and multiyear decisions, we coordinate the tax considerations throughout your financial life.
Strategic Tax Planning Across Multiple Years
Tax decisions rarely affect just one calendar year. We evaluate both immediate consequences and longer-term opportunities.
- Develop multiyear federal and state income-tax projections
- Model capital gains, ordinary income, and significant taxable events
- Evaluate the timing of income, deductions, and charitable contributions
- Review estimated tax payments and withholding requirements
- Identify planning opportunities created by changes in income, residency, or financial circumstances
- Adapt strategies as tax laws and personal priorities change
Tax Preparation & Prior-Year Review
A sophisticated tax strategy needs accurate reporting and a clear understanding of prior filings.
- Prepare and file applicable federal and state income-tax returns within the scope of our engagement
- Review prior-year returns for relevant elections, carryforwards, and planning opportunities
- Reconcile investment income, capital gains, and relevant tax documents
- Review estimated payments, withholding, and potential balances due
- Coordinate reporting information with applicable outside professionals when needed
Tax-Aware Investment & Capital Gains Planning
Investment decisions should account for the amount you keep after taxes, not simply the return you earn before them.
- Coordinate asset location across taxable and tax-advantaged accounts
- Evaluate tax-loss harvesting and capital gains realization
- Develop strategies for unwinding concentrated stock positions
- Review charitable gifting of appreciated securities
- Model tax consequences of portfolio changes and liquidity needs
- Coordinate investment management with your broader tax strategy
Equity Compensation & Business Transactions
Significant compensation and liquidity events can create complex tax obligations and important planning decisions.
- Review ISOs, NSOs, RSUs, and other equity compensation
- Model stock option exercise strategies and AMT exposure
- Evaluate tax-aware sales of concentrated company stock
- Review multistate tax considerations for equity compensation
- Model income and capital gains associated with business transactions
- Coordinate planning with legal, accounting, and transaction advisors as appropriate
Estate, Trust & Charitable Tax Coordination
Tax planning for substantial wealth often involves more than the individual income-tax return.
- Evaluate income-tax considerations of charitable giving strategies
- Review appreciated-asset gifting opportunities
- Coordinate with estate planning attorneys and trust professionals
- Consider tax basis, estate liquidity, and wealth transfer goals
- Review how trust structures and distributions may affect the broader tax picture
- Align tax decisions with family and philanthropic objectives
Ongoing Tax Oversight & Professional Coordination
Tax planning works best when it remains connected to the decisions you're making throughout the year.
- Review material changes in income, investments, and liquidity
- Revisit projections before significant financial transactions
- Coordinate tax and investment decisions within your financial plan
- Discuss planning considerations as relevant tax rules change
- Collaborate with attorneys, accountants, and other advisors on interconnected matters
- Provide ongoing guidance within the scope of the client relationship
Who Benefits From Integrated Tax Planning?
Our approach is particularly relevant when substantial assets, multiple income sources, and significant financial decisions create overlapping tax considerations.
High-Net-Worth Families
Coordinating investments, trusts, charitable giving, and multigenerational wealth considerations.
Executives With Significant Equity
Navigating concentrated stock, compensation taxation, and major liquidity decisions.
Founders & Business Owners
Managing business income, ownership interests, and potential liquidity events.
Investors With Complex Portfolios
Addressing significant capital gains, multiple account types, and diverse income sources.
Families Planning Wealth Transfers
Connecting tax decisions with estate structures, gifting, and philanthropic priorities.
Professionals Approaching a Major Transition
Preparing for retirement, a business sale, an IPO, or another significant change.
The more interconnected your financial life becomes, the more valuable it is to evaluate tax decisions in context.
Tax Strategy Shouldn't Live Separately From Wealth Management.
Your tax advisor, investment manager, and financial planner shouldn't be working from three different versions of your financial picture.
VIP Wealth Advisors brings tax planning, in-house tax return preparation, investment management, and comprehensive financial planning into one coordinated relationship.
Led by Mark Stancato, CFP®, EA, ECA, CRPS®, our firm combines financial planning, tax knowledge, and specialized equity compensation expertise. We also coordinate with your outside legal and other professional advisors when appropriate.
Our model emphasizes ongoing relationships, thoughtful analysis, and personal access to the professionals who understand your larger financial picture.
The result is a more connected approach to complex financial decisions, rather than a collection of disconnected recommendations.
Complex Wealth Deserves Coordinated Tax Planning.
When substantial assets, multiple income sources, and important financial decisions intersect, your tax strategy needs to account for the bigger picture.
Let's discuss your current tax situation, upcoming decisions, and long-term priorities to determine whether our approach is the right fit.
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