For many people, tax planning means a conversation in April. At Union Strategic Advisors, we believe it deserves attention every month of the year. The most effective tax strategies aren’t reactive and they’re built into your financial plan from the start, thoughtfully coordinated across your investments, income, and long-term goals.

We work closely with you and alongside your tax professionals when needed to identify opportunities, anticipate liabilities, and make proactive decisions that keep more of your hard-earned wealth working in your favor.

The way your portfolio is structured and managed can have a significant impact on what you owe at tax time. We apply tax-aware strategies across your investments that includes tax-loss harvesting, asset location, and managing the timing of gains and distributions to help minimize your tax burden without compromising your investment objectives. We keep a close eye on your portfolio with that in mind throughout the year, not just at year-end.

The decisions you make about retirement accounts, withdrawals, income sources, and eventually passing your wealth to the next generation all carry significant tax implications. We help you navigate the full picture — from maximizing contributions to tax-advantaged accounts and timing retirement income withdrawals, to Roth conversions, required minimum distributions, and estate structuring strategies that preserve more of what you’ve built for the people you love.

Every recommendation is made with your lifetime tax liability in mind, always coordinated with your tax and legal professionals to ensure everything works together seamlessly.

For business owners, the tax landscape is especially complex and especially full of opportunity. From entity structure and compensation planning to retirement benefits and exit strategies, the decisions you make have far-reaching tax consequences. We help you navigate them proactively, identifying strategies that benefit both your business and your personal financial picture at the same time.