Sample Plan

High-Income Family Tax Planning

A dual-income household earning significant W-2 income wants to understand where taxes may be leaking wealth.

The Scenario

The situation behind this sample plan.

This hypothetical family earns strong W-2 income, itemizes deductions, contributes to retirement plans, gives to charity, and holds a taxable brokerage account.

What the Review Looks For

Potential tax blind spots reviewed in this scenario.

01

Backdoor Roth IRA opportunities

02

Charitable giving with appreciated securities

03

Tax-loss harvesting in a taxable brokerage account

04

Asset location across taxable and retirement accounts

05

Bracket management around bonuses, capital gains, and investment income

What the Sample Report Includes

A written plan with planning areas and next steps.

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Current tax position and bracket analysis

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SALT deduction and itemized deduction review

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Backdoor Roth and possible Mega Backdoor Roth discussion

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Appreciated stock gifting and donor-advised fund considerations

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Tax-loss harvesting and asset location opportunities

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CPA coordination notes and year-end action items

Potential Opportunities

What the planning process may help clarify.

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Increase tax-free Roth accumulation

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Reduce taxable investment drag

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Give more tax-efficiently

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Coordinate year-end income, deductions, and capital gains

Want to see what your own tax plan may be missing?

Start with a short intake. If there is a fit, the next step is a deeper review of your documents and a written tax planning summary.

Sample reports are hypothetical and provided for illustrative purposes only. They do not represent actual client experiences and should not be interpreted as tax, legal, accounting, investment, or financial advice.