Bringing Clarity and Coordination to One of Your Largest Expenses
At Moisand Fitzgerald Tamayo, LLC, tax planning is not about last-minute filings; it’s about making proactive, informed decisions throughout the year to help reduce unnecessary taxes and support your long-term financial goals.
As independent, fee-only fiduciaries, we integrate tax planning into your broader financial strategy so that investment decisions, retirement income, and major financial moves are aligned with tax efficiency top of mind.
Our licensed tax advisors can give specific tax advice, not merely generalized tax planning suggestions. Further, they will stand by that advice, not reject responsibility via a disclaimer. In fact, our tax advisors can even represent clients in front of the IRS, should an issue arise.
Tax Planning Simplified
Taxes can feel complex, constantly changing, and difficult to manage in isolation. Many individuals focus only on tax preparation, reacting to what has already happened instead of planning ahead. Our role is to simplify the process, identify opportunities, and help you make thoughtful decisions before deadlines arrive. With the right strategy, tax planning becomes a tool, not a surprise.
What Tax Planning Means at Moisand Fitzgerald Tamayo
We take a proactive, coordinated approach to managing your tax picture across your full financial life:
Year-Round Tax Strategy
Tax planning doesn’t happen once a year. We evaluate opportunities throughout the year to help manage income, deductions, and timing decisions before they become fixed.
Income & Bracket Management
We help you understand how income flows from different sources, including salary, investments, and retirement accounts, and how to manage it across tax brackets over time.
Retirement Distribution Planning
Withdrawals from IRAs, Roth accounts, and taxable portfolios can have very different tax consequences. We help structure distributions to support long-term efficiency.
Investment Tax Efficiency
We evaluate portfolio decisions through a tax-aware lens, including asset location, tax-loss harvesting opportunities, and capital gains management. This helps you make tax-efficient investment decisions aligned with your family’s tax strategy and financial plans.
Roth Conversion Analysis
For some clients, strategically converting assets to Roth accounts can improve long-term tax outcomes. We model when and how these decisions may fit into your plan.
Coordination With Your Tax Preparer or CPA
If you become a client of MFT, our tax advisors are available to prepare and file your tax returns.
When we do not prepare our clients’ returns, we work alongside your tax professional to ensure your filings are aligned with your strategy.
Charitable Giving Strategies
For clients who give, we help evaluate tax-efficient approaches such as donating appreciated securities or coordinating giving in higher-income years.
Ongoing Monitoring & Adjustments
Tax laws and personal circumstances change. We regularly review your strategy to identify new opportunities and keep your plan aligned.
Who We Serve
Our tax planning guidance is designed for individuals and families who want to be proactive, especially as income sources and financial decisions become more complex. We tailor each strategy to your stage of life, helping ensure tax decisions support your broader financial plan.
Mid-Career Professionals
Pre-Retirees
Retirees
Tax Planning for Mid-Career Professionals
As income grows, so does complexity. We help you think through compensation, including bonuses and equity, stock option decisions, and identify tax-efficient strategies so more of what you earn supports your long-term goals.
Tax Planning for Pre-Retirees
The focus shifts as retirement approaches. We help coordinate income timing, evaluate Roth conversion opportunities, and build a withdrawal strategy that supports a smoother, more tax-efficient transition.
Tax Planning for Retirees
With multiple income sources in play, tax coordination becomes essential. We help manage distributions from various account types, Social Security timing, and RMDs to improve long-term efficiency while maintaining flexibility.
Each engagement starts with a clear understanding of your income, tax exposure, and goals so your strategy reflects your full financial picture.
Our Fiduciary Commitment
As a 100% independent, employee-owned firm, we are compensated solely by our clients through transparent, fee-only arrangements. We believe people can get better results when the recommendations they receive aren’t bought and paid for by an outside party. We do not receive commissions, product fees, or outside incentives. Our only allegiance is to your best financial interest.
That independence allows us to approach tax planning objectively while focusing on long-term outcomes.
The Tax Numbers You MUST Know
The tax code is complex. To manage your taxes, there are key numbers you MUST know! Regardless of your stage of life, our free guide highlights the most elemental of these numbers. Get it today. UPDATED FOR 2026!
(If you are a current MFT client and want access to this document please contact your client service manager.)
Start Your Tax Planning Journey
We believe thoughtful planning leads to better outcomes. If you want to take a more proactive, coordinated approach to managing taxes, we’re here to help.
Schedule an introductory call to explore how tax planning can fit into your broader financial strategy and support your long-term goals.
Tax Planning FAQs
1. Is tax planning the same as tax preparation?
No. Tax preparation focuses on filing past returns, while tax planning looks ahead to identify strategies that may reduce future tax liability.
2. When should tax planning take place?
Tax planning is most effective when done throughout the year, especially before major financial decisions or year-end deadlines.
3. Do you replace my CPA?
That is up to you. Our tax advisors are available to prepare and file your tax returns, but we are happy to collaborate with any good CPA with whom you enjoy working.
4. Can tax planning really make a difference?
Yes, but tax advice is even better. Thoughtful timing of income, withdrawals, and investment decisions can meaningfully impact your lifetime tax picture.
5. What types of clients benefit most from tax planning?
Individuals with multiple income sources, high earnings, retirement accounts, or complex financial situations often see the greatest benefit.
6. What is the difference between fee-only and fee-based financial planners?
Fee-only planners are compensated solely by clients, which helps reduce conflicts of interest. Fee-based planners may earn commissions from products, which can influence recommendations. We believe people can get better results when the recommendations they receive aren’t bought and paid for by an outside party. We do not receive commissions, product fees, or outside incentives.