Solutions
Tax Planning
Proactive strategy through the year, not a scramble each April.
Filing a return is a record of decisions you already made. By the time the paperwork arrives, most of the opportunities are gone. Tax planning is the work that happens before that — during the year, when there's still something to decide.
Filing a return is a record of decisions you already made. By the time the paperwork arrives, most of the opportunities are gone.
The years around retirement tend to matter most. Income drops, required distributions haven't started, and there's often a window where deliberate moves are worth real money. We look at those windows in advance and coordinate with your CPA so the planning and the filing agree.
Filling the bracket on purpose
The idea behind most low-income-year strategies, in one picture.
In a low-income year — early retirement is the classic — that headroom is cheap. Filling it deliberately with a Roth conversion or realized gains means paying tax at today's low rate instead of a future higher one. Unused, the room simply expires in April.
Worth a conversation if…
- You only talk about taxes when your return is being prepared
- You're between retiring and starting required distributions — often the most valuable planning window there is
- You're facing a one-off event: a business sale, large bonus, exercised options, or an inherited account
- You give to charity and aren't sure you're doing it in the most efficient way
What proactive looks like
The work that happens before April.
Multi-year projections
The whole arc, not a single-year view.
Roth conversions
Sized to fill a bracket rather than spill past it.
Withdrawal sequencing
Coordinated with your retirement income plan.
Charitable strategy
Appreciated shares, bunching, qualified charitable distributions.
Loss harvesting
In taxable accounts, where it counts.
CPA coordination
Nothing planned in isolation from the filing.
A window nearly missed
A couple retired at 63 with most of their savings pre-tax, living on cash and a small pension until Social Security at 67. Four years of unusually low income — and their first instinct was to enjoy paying almost no tax. The projection showed those years were exactly when conversions were cheapest; skipping them meant meeting required distributions at 73 in a much higher bracket.
Hypothetical scenario for illustration. Not an actual client. Individual circumstances and results differ.
Which bracket are you wasting this year?
What people ask us
Do you prepare my tax return?
No. We plan; your CPA prepares and files. We don't provide tax advice in place of theirs — the value is in the two working from the same set of facts, which is more often than not the missing piece.
Is a Roth conversion right for me?
It depends entirely on your bracket now versus later, how the conversion is funded, and effects like Medicare premium thresholds. Some years it makes sense and some years it clearly doesn't, which is why we look at it annually rather than deciding once.
Kingsbury Financial Advisors
Kingsbury Financial Advisors is a full-service comprehensive financial planning and wealth management firm located in Tampa, Florida. Alongside our strategic partnership with the leading comprehensive financial planning firm Caitlin John Private Wealth management, we have all of the necessary resources to support our clients in conquering their financial goals.
What to expect
- 01 Introduction A short conversation about what prompted you to reach out. No preparation needed and nothing to sign.
- 02 Discovery We gather the full picture — accounts, obligations, timelines, and the goals behind them.
- 03 Your plan We walk you through a written plan together, including the trade-offs behind every recommendation.
- 04 Ongoing partnership Regular reviews, proactive tax and planning work, and a direct line when something changes.
Talk through your situation
True wealth is more than money.
Start with a conversation. No cost, no pressure, no obligation to continue.