TAX PLANNING

At Weller Capital, we are not CPAs or tax attorneys, but we treat tax planning as an indispensable pillar of every financial plan. Each year we thoroughly review your prior-year tax return and monitor your current-year situation in real time. This allows us to spot opportunities and avoid pitfalls related to marginal and effective tax rates, capital-gain rates, itemized vs. standard deductions, loss harvesting, carry-forwards, Medicare IRMAA surcharges, and the tax impact of every withdrawal or income source.

It’s surprisingly common for new clients to tell us, “No advisor has ever asked to see our tax return before.” That simple step often uncovers thousands (sometimes tens of thousands) of dollars in annual savings that were previously overlooked. When you need cash—whether for a home purchase, business opportunity, gifting, or lifestyle—we analyze exactly which accounts (taxable, tax-deferred, or Roth) to draw from and in what order to minimize your lifetime tax bill. We happily collaborate directly with your CPA, joining planning meetings and sharing projections so everyone stays perfectly aligned. In our view, building a financial plan without understanding your tax return is like navigating without a map. We make sure you never do.