We ask for your tax return—not because we’re nosy, but because it can reveal opportunities most people miss.

Take one possible situation: a client shared their return after confidently telling us their income for the year. But once we reviewed it line by line, we saw something different—their income was actually lower than expected.

Why the gap? They were mentally including future board compensation that hadn’t hit yet (a humblebrag we fully support). That difference opened the door for proactive tax planning.

Because they had a large IRA (think seven figures) and weren’t yet drawing Social Security or taking RMDs, we found ourselves in a sweet spot: low current income, high future tax exposure.

One option to consider for this hypothetical client would be a Roth Conversion Strategy. In addition, we could discuss:

✅ Making pre-tax contributions to a solo 401(k) or SEP IRA from their board income
✅ Funding an HSA for triple-tax savings
✅ Coordinating with their CPA to tie everything together smoothly

And it all started with a simple tax return.

If your advisor has never reviewed your return—line by line—you might be missing out on strategies that could reduce your lifetime tax bill.

This is a hypothetical example for illustrative purposes only. Results will vary based on individual circumstances.

Curious what your return might reveal? We’d be happy to take a look—no pressure, no promises. Just thoughtful planning.