Service
Tax Planning
Equity, investments and retirement create one tax picture.
Schedule a Discovery CallConnected decisions
- 01Equity and income
- 02Multi-year planning
- 03CPA coordination
Many people pay more in taxes than they need to, not because they are doing anything wrong, but because no one is looking at the full picture. I build proactive, multi-year tax strategies that work across your investments, income, retirement accounts, and estate plan.
What I Offer
Tax strategy built around your situation, not last year's return.
RSU and Stock Option Strategy
Roth Conversion Planning
Tax-Loss Harvesting
Capital Gains Management
Multi-Year Tax Projections
Backdoor and Mega Backdoor Roth
This information is general education and not personalized investment, tax, or legal advice. Hypothetical examples are for illustrative purposes only and do not represent the experience of any specific client. Tax preparation and tax advice are provided by your CPA. Investing involves risk including loss of principal. No strategy assures success or protects against loss. Past performance is not a guarantee of future results.
A Planning Scenario
Amazon RSU Coordination Scenario
Engagement scenario
An illustrative example, not a specific client or outcome.
An Amazon engineer with significant unvested RSUs facing a multi-year tax picture. Strategies discussed may include mega backdoor Roth contributions (where plan permits), donor-advised fund timing, and tax-loss harvesting. Tax outcomes depend on individual circumstances and require coordination with your CPA.
Hypothetical engagement scenario, illustrative only and not representative of any specific client. Outcomes depend on individual circumstances and market conditions. Investing involves risk including loss of principal. No strategy assures success or protects against loss.
Frequently asked questions.
What is a mega backdoor Roth?
The strategy uses after-tax 401(k) contributions followed by a Roth conversion, if your plan permits. The $72,000 combined contribution limit for 2026 includes employer contributions and regular employee deferrals, excluding eligible catch-up contributions. Your available after-tax amount depends on those contributions and your plan’s rules. I coordinate implementation with your CPA.
How do you help with RSU tax planning?
I coordinate around your vesting schedule, review withholding elections, look at the timing of diversification sales for tax efficiency, and consider how other income sources interact. Tax preparation and tax advice are provided by your CPA; I coordinate strategy with your tax professional.
Should I do Roth conversions in retirement?
Often yes, especially in lower-income years between retirement and Social Security/RMDs. I model the long-term tax impact to determine the optimal conversion amount each year.
Related Resources
The Mega Backdoor Roth Guide for Tech Employees
How after-tax 401(k) contributions and Roth conversions work, subject to your plan’s rules and the combined annual contribution limit.
Read ArticleRSU Tax Planning for Amazon & Microsoft Employees
Multi-year tax strategies for back-loaded vesting schedules and concentrated stock positions.
Read ArticleReady to take the next step?
Schedule a discovery call to talk through your situation and see if we are a good fit.
Schedule a Discovery Call