Tax Mindfulness

Tax law is complex and constantly changing.  We strongly believe that every financial decision at its core is a tax decision and that taxes should be treated as more than a once-a-year event.  Taxes are one of life's most complicated and largest expenses, yet most financial/wealth advisors treat taxes as an afterthought without regard to a client's situation.  If not properly planned for, taxes can unnecessarily erode the net result of all your hard work and what you take home.

We're dedicated to providing comprehensive tax - smart financial planning and utilize an array of ongoing tax - optimized strategies to maximize your wealth and meet your goals.  Combining our professional experience as tax and financial advisors allows us to identify strategies unique to your situation and help you achieve the best financial outcomes.

• Tax Compliance - Ensuring your peace of mind knowing you are compliant with the tax code, while minimizing audit exposure and using all of the legal tax reduction strategies available.
• Tax - Smart Investing - Our Goal is to use the right asset allocation, tax-efficient investment products/strategies,  and tax-conscious financial planning solutions to maximize your net return instead of focusing solely on market gains.  That means not only are we designing solutions to help you accumulate assets, we're also applying the right strategies to help you keep more of what you earned.
• Annual Tax Management -  Tax-loss harvesting, proper asset allocation and investments that help minimize taxes on capital gains can all be used to offset your annual tax liabilities.
• Social Security Planning - We’ll identify the most advantageous distribution of your social security benefits based on your income needs, accumulation of assets and how you manage your finances.
• Pre-Retirement Income Planning – We can apply annual and long-term strategies to lessen the taxes you owe during the accumulation phase so more of your money can grow tax-free.
• Retirement Income Distributions –  Careful planning of which accounts you draw from first during retirement can help ensure that your money goes toward paying for your lifestyle instead of taxes.
• Leaving a Lasting Legacy – Focusing on tax mitigation for next-generation planning can avoid eroding family wealth and help ensure that your loved ones are provided for.

The information provided is not written or intended as specific tax or legal advice. MassMutual, its subsidiaries, employees and representatives are not authorized to give tax or legal advice.

Individuals are encouraged to seek advice from their own tax or legal counsel. Individuals involved in the estate planning process should work with an estate planning team, including their own personal legal or tax counsel.