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WEALTH MANAGEMENT | FINANCIAL PLANNING
Integrated Tax Planning
For most high-net-worth investors, taxes are one of the largest lifetime expenses. Yet tax decisions are often made in isolation: a CPA focused on last year’s return, an investment advisor focused on the portfolio, and an attorney focused on documents, with no one responsible for how it all fits together.
Heirloom Wealth is built to change that. Tax planning is not an add-on or a year-end checklist item; it is a core part of how the firm designs and manages your entire financial life.
Heirloom brings wealth management and tax planning together under one roof, so that investment choices, withdrawal strategies, retirement income, estate decisions, and charitable giving are coordinated instead of working at cross purposes.
The Problem
Fragmented, Reactive, and Product-Driven Tax Advice
Heirloom creates a comprehensive plan that is designed to help you keep more of what you earn over time—without letting taxes become the only driver of your decisions.
Many successful, educated investors arrive at Heirloom in one of two situations:
You already have an advisor but feel your tax picture is handled separately, with nobody truly responsible for the big picture.
You are hiring a wealth manager for the first time and want taxes to be taken seriously, not treated as an afterthought.
Common pain points include:
Tax planning that only looks backward. You meet with a CPA once a year, sign your return, and move on—without proactive conversations about what could be done differently going forward.
Advice in silos. Your investment advisor rarely asks for your tax return. Your CPA has limited visibility into your full balance sheet. Your estate planning attorney is not in the loop on portfolio and cash-flow decisions.
No clear, written tax strategy. You may receive ideas - “You should do more Roth,” “Consider a donor-advised fund,” “Harvest losses” - but there is no cohesive plan showing how these pieces work together, year after year.
Product-focused recommendations. Instead of unbiased planning, you may feel pushed toward tax-driven products (annuities, complex insurance, or proprietary funds) that are hard to understand and even harder to unwind.
Missed coordination with retirement and legacy goals. Decisions about when to retire, how much to spend, and what to leave for children and charities are made without fully understanding the tax consequences.
For high-net-worth families, the cost of this fragmentation is measured in real dollars—and in the stress of wondering whether you are missing something important.
Heirloom’s Approach to Tax Planning
Heirloom’s tax planning is holistic, ongoing, and designed specifically for high-net-worth families with multiple account types, meaningful portfolios, and complex lives. It is not about chasing the latest loophole; it is about building a durable, coordinated strategy that supports your broader plan.
While every client is different, the process commonly follows the steps below:
Our Approach
1. Build a Clear Tax Profile and Baseline
Heirloom begins by understanding your current and projected tax picture:
Recent tax returns (federal and, where relevant, state)
Income sources: salary, bonuses, RSUs, business income, pensions, Social Security, rental income, etc.
Existing account mix: taxable brokerage, traditional IRAs, Roth IRAs, 401(k)/403(b) plans, business retirement plans, HSAs, and other vehicles
Realized and unrealized gains and losses in your portfolio
Current deductions, charitable giving patterns, and major one-time events (business sale, option exercises, property transactions)
From there, Heirloom builds a baseline: what your tax liability might look like if you simply “kept doing what you’re doing.” This becomes the starting point for evaluating changes.
Heirloom does not prepare tax returns and does not replace your CPA. Instead, the firm uses your tax return as a planning tool and coordinates closely with your tax professional.
Our Approach
2. Design a Multi-Year Tax Map (Not Just a One-Year Tactic)
Rather than treating tax planning as a single year’s problem, Heirloom looks across your lifetime and, where appropriate, generations:
How might your tax brackets change as you move from earning years to retirement?
What happens when required minimum distributions (RMDs) begin?
How do business sales, stock option exercises, or real estate events affect the picture?
What are the potential tax implications for heirs under different estate and legacy scenarios?
Heirloom translates this into a multi-year “tax map” that aligns with your broader financial plan and Live Well Plan™ projections. The focus is on managing lifetime and multi-generational taxes, not just minimizing this year’s bill.
Our Approach
3. Coordinate Portfolio Management with Taxes
Investment decisions have tax consequences. Because Heirloom manages portfolios in-house and integrates tax planning into that work, your investment strategy can be tailored to your tax situation.
Areas of focus may include:
Asset location. Determining which types of investments are generally better suited for tax-deferred accounts versus taxable accounts, based on your goals and risk profile.
Tax-aware rebalancing. Rebalancing with an eye on gain realization, loss harvesting opportunities, and wash-sale rules.
Tax-loss harvesting (when appropriate). Using market volatility to realize losses that may offset current or future gains, while remaining invested in a strategy aligned with your plan.
Gain realization strategy. Intentionally realizing gains in tax-efficient ways such as taking advantage of lower-income years, spreading gains across multiple years, or coordinating with charitable gifts.
Heirloom also maintains an audited performance track record for its investment strategies, reviewed by an independent third party at the firm level. Investment strategies and portfolios are always evaluated net of fees and in relation to broad benchmarks. Past performance does not guarantee future results.
Our Approach
4. Integrate Retirement Income and Tax Strategy
Retirement income and tax planning are inseparable. Heirloom designs withdrawal and income strategies that account for:
The sequence of withdrawals from taxable, tax-deferred, and tax-free accounts
Pension and Social Security timing decisions
RMDs and their impact on your tax brackets
Managing “tax bracket creep” as different income sources turn on
The aim is to support your desired lifestyle while avoiding preventable spikes in taxable income when possible. This may include evaluating Roth conversion opportunities, thoughtfully timing income events, and coordinating required distributions with charitable or gifting strategies. We are always in light of your overall plan and in coordination with your tax professional.
Our Approach
5. Align Charitable and Legacy Goals with Tax Planning
Many high-net-worth clients are charitably inclined or focused on multigenerational planning. Heirloom helps bring together:
Charitable strategies - Such as giving appreciated securities instead of cash, bunching deductions in certain years, or using charitable vehicles (e.g., donor-advised funds) where appropriate and coordinated with your attorney/CPA.
Estate and legacy planning - Making sure account titling, beneficiary designations, and trust structures align with both your legacy intentions and tax considerations, in partnership with your estate attorney.
Education and college planning - Considering the tax treatment of education savings vehicles (like 529 plans) as part of your overall tax and legacy picture.
Tax planning, charitable planning, and estate planning are not separate tracks at Heirloom—they are integrated conversations that happen across your reviews
Our Approach
6. Monitor, Educate, and Adjust Over Time
Tax laws change. Markets move. Your life evolves. Heirloom’s planning process is intentionally iterative:
Regular review meetings (often quarterly early in the relationship) to revisit your tax strategy alongside your investments and financial plan
Ongoing monitoring for new opportunities or risks, such as changes in brackets, deductions, or retirement account rules
Plain-language education so you understand the “why” behind recommendations, not just the “what”
What Clients Typically Gain
No firm can control markets, tax law, or future legislation, and no strategy can guarantee specific tax outcomes. That said, clients who engage Heirloom for integrated tax planning often experience:
Greater Clarity About How Taxes Affect Every Major Decision
Instead of wondering, “What will this do to my taxes?”, you have:
A clear multi-year view of likely tax dynamics under different scenarios
Coordination between investment moves, retirement timing, and tax consequences
A written plan that shows how today’s decisions may affect your future self and heirs
A More Deliberate, Less Reactive Approach
You move away from “April surprises” and last-minute scrambling toward:
Proactive, calendar-driven planning throughout the year
Stress-tested strategies that consider multiple tax environments
The ability to address opportunities early, not after they have passed
Better Alignment Between Your Money, Your Values, and the Tax Code
When tax planning is integrated with charitable giving, estate planning, and lifestyle goals, you can:
Support causes and people you care about in tax-aware ways
Reduce unnecessary friction between your intentions and the tax system
Feel more confident that you are using available rules thoughtfully and responsibly
Again, Heirloom cannot promise lower taxes or specific outcomes. The focus is on giving you a clear, coordinated framework to make well-informed choices.
Are Heirloom's Tax Planning Services for you?
Heirloom’s integrated tax planning is designed for:
High-net-worth investors
with significant portfolios, multiple account types, and complex income sources.
Executives and professionals
with equity compensation, variable bonuses, and multi-state or international considerations.
Business owners and entrepreneurs
whose personal tax picture is tightly linked to their company, and who may be planning for sale or succession.
Retirees and near-retirees
looking to turn savings into a reliable income stream while managing brackets, RMDs, and legacy goals.
Investors dissatisfied with the status quo
whose current advisor is either not proactive on taxes or not integrated with their CPA and attorney.
Investors dissatisfied with the status quo
whose current advisor is either not proactive on taxes or not integrated with their CPA and attorney.
First-time advisory clients
whose current advisor is either not proactive on taxes or not integrated with their CPA and attorney.
FAQs
Q: How does Heirloom define effective tax planning?
Effective tax planning looks beyond the current year and focuses on multi-decade, lifetime tax strategy. Heirloom evaluates future cash flows, Required Minimum Distributions (RMDs), and income timing to help smooth tax brackets over time—reducing the risk of being pushed into significantly higher tax rates later in life.
Q: Why is proactive tax planning so important?
Tax strategies are most powerful before income or gains occur. When planning happens early, more tools are available—such as Roth conversions, charitable strategies, or entity structuring. Once a high-income year has already passed, options become limited. Heirloom emphasizes planning ahead rather than reacting after the fact.
Q: How does tax planning integrate with investment and retirement planning?
Tax planning is woven into every investment and retirement decision. Where assets are held, when income is recognized, and which accounts are drawn from can significantly impact long-term tax exposure. Heirloom coordinates tax strategy alongside portfolio management so clients can retain more of what they earn and invest those savings toward future goals.
Q: Who benefits most from Heirloom’s tax planning services?
Tax planning is especially valuable for individuals experiencing high income, large capital gains, business sales, stock vesting, or real estate transactions. Clients who expect seven-figure income years—or who are nearing such events—often benefit most from forward-looking tax strategy and coordination.
Q: What makes Heirloom’s tax planning approach different?
Heirloom combines long-term tax strategy with in-house tax expertise and coordinated planning. Rather than offering generic ideas, the firm provides actionable recommendations supported by professionals who understand how tax decisions impact wealth over decades. This integrated approach helps clients keep more of what they earn—legally and intentionally.
If you are serious about optimizing your financial life over decades, and you want tax decisions to be coordinated with every other part of your plan, Heirloom’s integrated tax planning may be an important next step.
Schedule A Strategy Session with Our Team
This initial conversation is designed to understand your goals, current situation, and priorities. You’ll have the opportunity to ask questions, explore how Heirloom’s integrated approach works, and determine whether a longer-term relationship makes sense—without pressure or obligation.
Our Services
A coordinated approach to managing investments, planning, and cash flow, designed to bring clarity and confidence to your financial life today and over time.
Tax strategies integrated with your broader wealth plan, helping inform decisions, improve efficiency, and support long-term outcomes through coordinated planning.
Contact
6400 S Fiddlers Green Circle
Suite 1970
Greenwood Village, CO 80111
3200 Cherry Creek S Dr.
Suite 130
Denver, CO 80209
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