Tax Planning Strategies for Individuals & Families in Minnesota & Wisconsin

We help individuals and families across Minnesota and western Wisconsin plan smarter when it comes to taxes. Whether you're approaching retirement, managing multiple income sources, or navigating complex investments, we use forward-looking strategies to help you reduce tax drag and keep more of what you've earned. Our approach is proactive, not reactive-built to align with your overall financial plan.

A woman is sitting at a desk using a calculator and writing on a clipboard.

How We Approach Tax Planning

We Start With Your Full Financial Picture

Tax decisions don't happen in a vacuum. We look at your income, investments, retirement goals, and estate plan to design tax strategies that fit your life.


We Plan Ahead-Not Just at Tax Time

Waiting until the end of the year limits your options. We help you make tax-smart decisions all year long so you can optimize results over time.


We Collaborate With Your Professionals

 Already have a CPA or estate attorney? Great-we're happy to coordinate. Our goal is to ensure your financial plan, tax plan, and legal documents work together.


We Focus on Long-Term Tax Efficiency

From withdrawal sequencing to asset location, we apply strategies designed to reduce lifetime taxes-not just this year's return.

What's Included in Our Tax
Planning Services

01

Tax-efficient investment strategies

02

Roth conversions & IRA distribution planning

03

Tax-smart withdrawal sequencing in retirement

04

Asset location across account types (taxable vs. tax-deferred)

05

Planning for capital gains & income events

06

Coordination with your accountant or CPA

Who We Serve

We work with individuals and families in Red Wing, Cannon Falls, Lake City, and nearby Wisconsin communities like Stillwater and River Falls-as well as clients across Minnesota and Wisconsin virtually. Many of our clients are approaching or in retirement and want to understand how taxes will impact their income, investments, and legacy.

Common Tax Planning Questions

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  • Can you prepare my tax return?

    We don't file taxes ourselves, but we work closely with your tax preparer or CPA to implement strategies that help minimize your overall tax burden.

  • Will I pay more in taxes when I retire?

    Not necessarily-but timing matters. We help structure your income to manage taxable events and avoid unexpected tax brackets.

  • Should I do a Roth conversion?

    It depends on your age, income, and goals. We'll run the numbers and walk you through the pros and cons before you decide.

  • How do taxes impact my investment returns?

    We use asset location strategies to place tax-efficient investments in taxable accounts and defer income where appropriate.

  • Can you help with large one-time income events?

    Yes-whether it's a business sale, inheritance, or stock option exercise, we help you plan ahead to reduce unnecessary tax exposure.

Let's Talk About Tax Planning

If you're not sure whether your current plan is tax-smart, let's review it together. We'll explain your options clearly and help you make informed decisions that reduce stress and taxes.