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Tax Planning


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Tax Planning In Boca Raton, A Year-Round Discipline

Tax planning in Boca Raton handled year-round, not just at filing. Tax-sensitive investing, Roth conversion strategy, capital gains planning, and year-end positioning, coordinated with your investment and retirement plan.

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Fiduciary CFP®
EA Tax Preparer Year-Round Planning Coordinated Plan

WHY CLIENTS CHOOSE US

Tax planning is the highest-value planning work most clients can do.

Year-round, not just April

Real tax savings happen during the year, in the decisions about Roth conversions, capital gains realization, charitable giving timing, and account location. Not at the filing window.

Coordinated with investments

Tax-loss harvesting, gain budgeting, and asset location all sit at the intersection of investment management and tax planning. We do both.

Tax prep handled in-house

Our enrolled agent handles tax preparation for investment-management clients. The person filing your return is in the same building as the person managing your portfolio.

Multi-year tax models

Big decisions (Roth conversions, business sales, retirement timing) get modeled over a 5 to 10 year window, not one tax year at a time.

Capital gains positioning

Concentrated stock, business sale proceeds, real estate, inherited assets. The planning around the gain matters as much as the investment itself.

Charitable giving strategy

Donating appreciated securities, donor-advised funds, qualified charitable distributions from IRAs. 

Why tax planning moves the needle more than most people think.

The size of your tax bill over a 30-year window isn't mostly determined by what your accountant does at filing. It's determined by a series of decisions made throughout each year: how much to convert to Roth, when to realize a capital gain, where to hold which asset, how to time charitable giving, when to claim Social Security. By the time the return is being prepared, the levers are mostly set.

For high-income households the gap between an okay tax outcome and a good one is often six figures over a decade. Most of it comes from a few specific decisions made at the right time.

OUR APPROACH

How Tax Planning works at Intercoastal.

Three things that shape how we deliver tax planning for South Florida clients.

1 Coordinated, not siloed

Tax Planning doesn't sit alone. The investment plan, the tax plan, and the estate plan reference each other. We coordinate all three so decisions match.

2 Personal, not templated

No off-the-shelf model portfolios or boilerplate plans. The recommendations match your specific income, tax bracket, family situation, and timeline.

3 Ongoing, not transactional

We meet on a quarterly cadence to adjust the plan as your life and the tax code change. The relationship is long-term by design.

What we cover.

Tax-sensitive investing

  • Tax-loss harvesting. Realizing losses in taxable accounts to offset gains elsewhere, with proper wash-sale management.
  • Gain budgeting. Pulling specific amounts of long-term gains in years where the tax cost is lowest.
  • Asset location. Holding tax-inefficient assets in tax-deferred or Roth accounts, tax-efficient assets in taxable.
  • Direct indexing. Where appropriate, holding individual stocks instead of ETFs to harvest losses more aggressively.

See the dedicated charitable giving page →Roth conversion planning

The window between when employment income stops and when RMDs start (typically age 73 or 75) is the biggest tax planning opportunity most pre-retirees have. We model Roth conversions year by year through that window, looking at bracket fills, future RMD reduction, and the tax-free inheritance the conversion creates.

See business exit →Capital gains and concentrated stock planning

  • Concentrated single-stock position management. Diversification on a tax-aware schedule.
  • Pre-sale tax positioning for business owners selling a company. See business exit →
  • Inherited asset planning, including stepped-up basis coordination.
  • Real estate tax considerations including 1031 exchanges (in coordination with a tax attorney where needed).

Charitable giving strategy

  • Donating appreciated securities instead of cash.
  • Donor-advised funds (DAFs), including front-loading multiple years of giving into one high-income year.
  • Qualified Charitable Distributions (QCDs) from IRAs for clients over 70.5.
  • Charitable trusts (CRTs, CLTs) for clients with sizable taxable assets, in coordination with an estate attorney.

Year-end positioning

  • Bracket management. Pulling income forward or pushing it back to optimize against current and projected tax rates.
  • Loss harvesting deadlines and wash-sale management.
  • Charitable giving timing.
  • Roth conversion execution (must happen by December 31).
  • Health Savings Account, 401(k), and IRA contribution decisions.

Tax preparation

For investment-management clients, our enrolled agent handles tax preparation in-house. This keeps the person filing your return in close coordination with the person managing your portfolio, which matters more than most clients realize. Tax preparation is offered to existing investment-management clients, not as a standalone service.

RELATED TAX SERVICES

Areas within tax planning.

Most tax planning relationships work through one or more of these as part of the broader plan.

Roth Conversion Strategy

Multi-year modeling, conversion ladders, and the low-tax window between retirement and RMDs.

See roth conversion strategy →

Charitable Giving Strategies

DAFs, charitable trusts, QCDs from IRAs, and donating appreciated securities.

See charitable-giving strategies

Tax-Sensitive Investing

Tax-loss harvesting, gain budgeting, and asset location.

See tax-sensitive investing →

Who This Is For

Tax planning is highest-value at specific moments.

The clients who benefit most:

Pre-Retirees in Roth-Conversion Window Executives with Concentrated Stock Business Owners Pre-Sale Inheritors with Stepped-Up Basis Widows Adjusting to Filing Status Changes High-Income Professional Women

What we don't do.

Contact Us Today

We don't lead with proprietary products, structured notes, or non-traded REITs as a portfolio building block. We don't take custody of your assets. We don't promise market-beating returns. The honest answer is that nobody who has to tell the truth to a regulator can.

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QUESTIONS, ANSWERED
Common questions about Tax Planning

  • Yes, in-house, for existing investment-management clients. our enrolled agent handles personal tax returns for clients who are already in an advisory relationship with the firm. We don't take new clients for tax preparation alone. The reason is that the value of doing tax prep in-house comes from the coordination with the planning and investment work. Without that, it's just bookkeeping.
  • Tax preparation is filing the return for a year that already happened. Tax planning is the work during the year that decides what the return looks like. Tax-loss harvesting, Roth conversions, charitable giving timing, capital gains realization, retirement contribution decisions. By the time the return is being prepared, most of the decisions are locked in.
  • The strongest window is usually after you stop earning W-2 income and before RMDs start. That gives you years where your taxable income is low and your withdrawal rate is mostly flexible. Inside that window, you fill up the lower tax brackets each year. Outside that window, conversions can still make sense, but the math is closer to neutral and the case is weaker.
  • When a position in a taxable account has lost value, we can sell it to realize the loss for tax purposes, then buy a similar (but not identical) position to keep the portfolio's exposure intact. The realized loss offsets gains elsewhere in the portfolio, or up to $3,000 of ordinary income per year, with carryovers for the rest. Done consistently over many years, the tax savings compound meaningfully.
  • Yes. Concentrated stock (RSU vesting, ISO exercises, ESPP shares, inherited holdings, or just a position that grew) is one of the most common tax planning challenges. The work is typically a multi-year diversification plan that pulls gains in the lowest-tax years possible, paired with tax-loss harvesting elsewhere in the portfolio and charitable-giving strategies that use the appreciated shares.
  • Florida has no state income tax, which is a meaningful advantage for high-income retirees relocating from higher-tax states. The planning around residency change (where to establish domicile, the documentation required, and timing relative to other tax events) is part of what we cover for clients who are moving in or out of state.

FIND US

Two offices, one team.

Boca Raton (Home Office)

1200 North Federal Highway, Suite 300

Boca Raton, FL 33432

(561) 210-7339

Monday to Friday, 8:30 AM to 4:30 PM ET

Plantation

7901 SW 6th Court, Suite 320

Plantation, FL 33324

(954) 809-3553

Monday to Friday, 8:30 AM to 4:30 PM ET

Serving

South Florida cities and neighborhoods

Palm Beach County

Boca Raton Highland Beach Delray Beach Boynton Beach West Palm Beach Palm Beach Palm Beach Gardens

Broward County

Plantation Fort Lauderdale Coral Springs Weston Cooper City Parkland

Ready to talk about Tax Planning?

The first meeting is a conversation, not a sales pitch. We'll talk about where you are, what you're working through, and whether Intercoastal is the right fit. In person in Boca Raton or Plantation, or by video from anywhere.

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