Tax-aware planning / Oakland & remote
Tax planning—not tax preparation. See how retirement, investment, and giving decisions interact, then coordinate with the household’s tax professional.
The work
The work looks across several tax years so timing, account choice, giving, and benefit decisions are considered before implementation.
Identify lower-income years where a partial conversion may deserve consideration.
Compare distributions across taxable, tax-deferred, and Roth accounts.
Coordinate qualified distributions, charitable funds, and appreciated assets.
Turn recommendations into a concise implementation list.
How this shows up in the first year
The order can change when deadlines or opportunities make one decision more urgent.
Place income, deductions, gains, benefits, and likely transitions on one timeline.
Compare conversions, charitable choices, and withdrawal sequences before deadlines.
Send a clear action list to the tax professional and verify the completed work.
A clear next step
A short, no-pressure conversation about what is changing, what feels unresolved, and whether Harbor is the right fit.
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