Tax Planning

Employer-sponsored retirement plans, such as 401(k)s and Employee Stock Ownership Plans (ESOPs), provide powerful savings opportunities—but also create complex tax considerations. One often-overlooked strategy that may offer substantial tax savings is Net Unrealized Appreciation (NUA). Despite its technical name, NUA is a relatively straightforward method for converting some retirement plan gains from higher ordinary income tax rates into lower capital gains tax … Read more

On July 4, 2025, the President signed the One Big Beautiful Bill Act (OBBB) into law, ushering in a wave of tax code updates. While headlines focused on middle-income breaks and W-2 perks, high-income earners — especially those nearing or in retirement — need to look past the noise and focus on what matters for long-term financial … Read more

The SALT cap workaround is not well understood by most pass-through entity owners, and as a result it is underutilized. If you are the owner of a pass-through entity such as a business and are seeking to reduce your tax liability, here are some tips for how to leverage the SALT workaround. And by the … Read more