Tax Strategy

Most people meet their taxes once a year, after the decisions that drive them have already been made. Tax strategy flips that: it's forward-looking, multi-year planning that shapes those decisions before they happen, so your tax bill is lower by design rather than by luck.

Tax strategy at Inspirion

• Three CPAs on the advisory team.Tax isn't outsourced or bolted on — the people building your plan hold the credential to read a return line by line and understand the consequences of every recommendation.
• We read your 1040 every year.Clients share their filed return; we go through it looking for missed opportunities, misreported items, and trends that should change next year's plan. Coordinating with your preparer, not replacing them.
• Pro-forma returns, not filed returns.Before a decision — a Roth conversion, a large gain, a charitable gift, a retirement date — we project what your return will look like under each option. We don't prepare taxes; we model them so the decision is made with the number in front of you.
• Roth conversions with a multi-year lens.Filling brackets in the years between retirement and RMDs, watching the Medicare premium and investment-income surcharge thresholds, and sequencing conversions against the rest of the plan.
• Capital gains managed deliberately.Harvesting gains when your bracket allows it, harvesting losses when it's useful, and placing assets in the account types where they're taxed least.
• Illinois-specific planning.Illinois doesn't tax retirement income but does levy its own estate tax at a threshold far below the federal exemption — two facts that shape withdrawal and legacy planning for our clients here.
• Business owners and founders.The biggest tax decisions in an owner's life happen before the sale, not after. We model exit scenarios years in advance — entity structure, holding periods, qualified small business stock (QSBS) eligibility, charitable and gifting moves timed to the transaction — so the return you file the year you sell reflects planning, not luck.

The specifics depend on your return, and that's the point.

Frequently asked questions