Tax Planning

Proactive Tax Strategy for Complex Financial Decisions

Taxes influence nearly every major financial decision, from how investments are managed to when equity compensation is exercised, how retirement income is withdrawn and how wealth is transferred over time. At Johanson & Yau, tax planning is integrated into the broader financial planning process. Our wealth advisors work alongside an established CPA firm, allowing clients to evaluate financial decisions with tax considerations in view from the beginning.

For professionals, families and business owners across Silicon Valley, this coordinated approach can be especially valuable when income, investments, equity compensation and long-term goals are closely connected.

Looking Ahead Before Tax Decisions Are Locked In

Tax planning is most valuable before income is recognized, assets are sold, options are exercised or retirement withdrawals are made. By evaluating decisions before they happen, clients can better understand the potential tax impact and consider available planning opportunities.

Johanson & Yau helps clients look beyond tax filing season to evaluate how timing, income, investments and long-term goals may influence tax outcomes over time.

Income Tax Planning

Income tax planning helps clients evaluate how compensation, investment income, retirement distributions and other sources of income may affect their tax picture over time.

Investment Tax Strategy

Investment decisions can create tax consequences through capital gains, dividends, interest income and portfolio rebalancing. Tax planning helps evaluate when and how investment decisions may affect the broader plan.

Equity Compensation Tax Planning

Stock options, RSUs and concentrated company stock can create complex tax considerations. Planning can help clients evaluate timing, income recognition, AMT exposure and diversification decisions.

Retirement Tax Planning

Retirement income decisions often involve multiple account types with different tax treatment. Planning can help clients evaluate withdrawal timing, Social Security strategy and the long-term tax impact of retirement income.

Charitable Giving Strategies

Charitable planning can support personal giving goals while also creating potential tax planning opportunities. Strategies may include appreciated stock gifts, donor-advised funds or other giving structures.

Estate and Wealth Transfer Considerations

Tax planning can also play a role in estate and legacy planning. While legal documents are prepared by estate attorneys, financial and tax planning can help align asset transfer strategies with long-term family goals.

Frequently Asked Questions

What is tax planning?

Tax planning is the process of evaluating financial decisions with an understanding of how they may affect current and future tax outcomes.

How is tax planning different from tax preparation?

Tax preparation focuses on reporting what already happened during the tax year. Tax planning looks ahead to help clients evaluate decisions before they create tax consequences.

Why does tax planning matter for equity compensation?

Equity compensation can affect taxable income, capital gains, AMT exposure and portfolio diversification. Tax planning helps clients evaluate how stock options, RSUs and company stock fit within the broader financial plan.

When should tax planning happen?

Tax planning is most effective when it happens throughout the year. At Johanson & Yau, clients typically meet with their advisor at least every six months to review their financial plan, and tax considerations may be discussed as income, investments or life circumstances change.

Tax & Accounting

Johanson & Yau’s wealth management team works alongside an established CPA firm, allowing financial planning and tax strategy to be evaluated together. If you’re looking for tax preparation, accounting services, or business advisory support, visit our tax and accounting firm.

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