Yet most advisors seem to never even cover them? They just give you some generic disclaimer, “That’s out of my scope of practice ask your CPA”. And that’s only after you had to ask about the topic yourself. At Factor, we not only embrace tax planning, we make it a focus of our practice. Whether it’s advanced Roth conversion strategies, daily tax-loss harvesting, analyzing your tax returns and running different scenarios to find different opportunities to save you money, or something else, we have you covered. If reducing your lifetime tax bill, freeing up more cash flow for your retirement adventures, or preventing yourself from leaving Uncle Sam an unnecessary tip is down your alley, you’ll love working with us.

• Annual Tax Return Analysis

• Annual Roth Conversions

• Coordination And Order Of Withdrawals Strategy (pensions, social security, investment accounts, etc)

• Asset Location

• Maximizing ACA credits

• Daily Tax-loss Harvesting

• Tax-efficient Investing

• And More!