Minimize Your
Taxes.
Maximize Your
Joy.
Proactive tax strategies as part of your complete financial life plan.
No More Surprises
April 15th is the same time every year — but it always seems to bring new challenges and complications. There are too many tax codes to sort through, too many deductions to keep track of and too much money owed to the IRS.
At least that’s how it feels when you’re doing it yourself.
At Metanoia Financial, we make proactive tax strategy part of your complete financial life plan. We help you structure your investments and expenses in the way that helps you owe less and keep more. And because tax planning is woven into our suite of our year round financial services, you’ll never be left hit with last-minute surprises.
You Deserve Better Tax Planning
Too many people are forced to be reactive. They have to wait and hope their tax return ends in a refund. We think families deserve better.
You can’t avoid taxes, but we help reduce your tax liability. As your Personal CFO, my team and I act as your tax strategist. We don’t file your taxes, but we build a year-round, forward-looking strategy that is woven into every part of your financial life plan, from your investments to your retirement income.
Our tax planning and management services take into account:
- Real estate transactions
- Investments and retirement plans
- Cashing out stock options and RSU’s
- Pension plans
- Sale of a business
Frequently Asked Questions
- What is "Proactive Tax Strategy"?
Proactive tax strategy is the process of making financial decisions today to minimize your taxes tomorrow. This includes analyzing Roth conversions, structuring your investments for tax-efficiency, and creating a tax-aware withdrawal plan for retirement. It’s a key part of our Personal CFO service.
- Do I need to pay taxes on my investments?
It depends on your type of investment and the state you live in. But your taxes will usually be calculated based on the income your investments produce while you own them or the gains they produce when you sell them. It’s important to note that tax-deferred investments — such as 401ks — will still be taxed when you withdrawl the money.
- How is tax planning with Metanoia Financial different from using a CPA?
This is a critical distinction. A CPA is typically focused backward—on accurately filing last year’s taxes.
As your Personal CFO, my job is to be forward-looking. I coordinate with your CPA to build strategies that minimize your taxes for years to come. This includes analyzing Roth conversions, creating tax-efficient withdrawal plans for retirement, and structuring your investments. We handle the strategy; your CPA handles the filing.