Tax Planning

Every dollar you keep from taxes is a dollar that can compound.

We are in the business of growing your wealth, and taxes are the biggest drag on that growth. So we treat the tax code not as a bill to pay, but as a tool to free up more money to invest.

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The problem

Most owners overpay, and never know it.

The problem is not that entrepreneurs cheat on taxes. It is that their tax work is reactive. A CPA files the return in the spring, reports what already happened, and moves on. But the return does not change what you owe, it just records it. By the time you file, every decision that could have lowered the bill is already behind you.

The result is the surprise tax bill, the one that makes you realize how much was left on the table, year after year, quietly working against the wealth you are trying to build.

Our philosophy

We plan the code to fuel your wealth.

Real tax planning happens before the year closes, not after. It is a series of deliberate decisions, made in advance, about how your business and your life are structured. Our goal with every one of them is the same: legally reduce what you owe so that money can be redirected into investments that build long-term wealth.

We are not chasing deductions for their own sake. Every dollar we help you keep is a dollar that goes to work, compounding for years instead of disappearing to the IRS. That is the whole point. Tax planning is not a cost center. It is one of the most powerful wealth-building tools you have.

Where the savings hide

Your business tax and personal tax are one picture.

For most owners, the business and the personal return are handled by different people who never talk, which is exactly where opportunity gets lost. The best strategies live in the space between the two: how you pay yourself, how the business is structured, how income moves, how what the business earns becomes what your family keeps.

Because we sit on both sides of your financial life, we plan them together. That coordination is where the real savings are found.

How we find the savings

A framework built from the ground up.

We work through a structured framework, from the foundational decisions every business faces to the advanced strategies reserved for a major exit. These are examples of what each layer holds. The right combination depends entirely on your situation.

Structuring the business
The foundation. Choosing and structuring the right entity so income is taxed as favorably as possible.
Examples: S Corp salary and distribution planning, choosing between S Corp, C Corp, and sole proprietor, QBI deduction planning, and QSBS planning for a future exit.
Being intentional about business activity
The everyday decisions that turn normal business operations into legitimate deductions when they are documented and done right.
Examples: the Augusta Rule for renting your home to your business, employing your children at fair wages, and putting real substance behind the expenses you already incur.
Designing employee benefits
Building benefits that reward your team and create tax advantages at the same time.
Examples: health reimbursement arrangements, student loan repayment programs, and tuition reimbursement, structured so the business deducts the cost and the benefit lands efficiently.
Retirement and plan design
Turning taxable income directly into invested wealth. Often the largest single lever an owner has.
Examples: solo 401k, defined benefit and cash balance plans for high earners, and HSA strategy.
Placing income and assets wisely
Moving income and assets to where they are taxed least.
Examples: asset location across account types, and licensing structures for intellectual property.
Tax-advantaged investing
Using government-sanctioned vehicles that pair investment with tax benefit.
Examples: the short-term rental strategy with cost segregation, and Qualified Opportunity Zones.
Preserving capital in major transactions
Diversifying or accessing wealth without triggering unnecessary tax.
Examples: tax-loss harvesting, ESOP rollovers, and exchange funds for concentrated stock.
Giving that works twice
Turning charitable intent into tax savings and income.
Examples: donor-advised funds with bunching, and charitable remainder trusts.
Passing wealth on efficiently
For clients thinking about legacy and estate.
Examples: spousal lifetime access trusts, irrevocable life insurance trusts, and residence trusts.

This is a sample, not the whole playbook. We maintain a library of dozens of strategies and bring only the ones that fit your business, your income, and your goals.

How we work

Strategy first, then execution.

Tax planning starts as a conversation. We look at your complete picture, business and personal, model what each strategy would actually mean for you, and build a tax plan you understand and agree with before anything is implemented.

Then, because we handle your books and your financial life, we make sure the plan actually happens, all year, not just at filing time. Strategy without follow-through saves nothing. We do both.

Let us turn your tax bill into invested wealth.

Imagine going into every year with a plan, knowing the moves are already made and the surprise is gone. Let us build that plan with you.

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Your Wealth. Our Shoulders.

This is educational content, not personalized tax, legal, or financial advice, and not a recommendation to pursue any specific strategy. Tax strategies carry risks and requirements and are not suitable for everyone. Work with a qualified tax advisor for your specific situation. Advisory services are offered through Savvy Advisors, Inc., an SEC-registered investment adviser. Breakaway Financial Group is used as a marketing name.