Who We Help
The strategies that may apply depend on who you are.
Tax planning is not one-size-fits-all. A business owner running an S-corp has a completely different menu than a W-2 earner with RSUs or a retiree managing withdrawals. We organize our work around your situation — not a generic checklist.
Our approach: We review the actual documents — prior returns, entity structure, brokerage statements — then propose which strategies may apply to your specific facts. Whether a strategy is worth pursuing depends on your facts, timing, and documentation.
Find Your Situation
Select the profile that fits you best
Each profile describes the planning context, the pain points we hear most often, and the strategies that may be relevant. Nothing guaranteed — but we will tell you honestly what applies.
Business Owners
The largest set of strategies lives inside your business.
“My CPA just files. I feel like I'm missing things.”
8 strategies that may apply
See what may applyReal Estate Investors
Depreciation, timing, and structure done deliberately.
“I'm not sure I'm capturing the depreciation and timing benefits I should.”
4 strategies that may apply
See what may applyReal Estate Agents
Compete on value, not commission.
“I'm a 1099 earner and I'm probably overpaying.”
5 strategies that may apply
See what may applyConcentrated Equity
Plan the liquidity event before it happens.
“I have a concentrated position and a liquidity event on the horizon.”
4 strategies that may apply
See what may applyHigh-Income W-2
Fewer levers — used well.
“I make good money and my tax bill keeps climbing.”
5 strategies that may apply
See what may applyRetirees & HNW Low-Income
Sequencing, conversions, and bracket management.
“How do I draw down efficiently and manage Medicare surcharges?”
5 strategies that may apply
See what may applyHow It Works
We do not guess. We review the documents, propose, and implement.
Our process is built around your actual situation — not a template. Here is what the first engagement typically looks like.
Discovery Call
A 20-minute conversation to understand your profile, your prior CPA relationship (if any), and where you feel the pain. No obligation.
Document Review
You upload your prior returns and any relevant statements through our secure portal. We review them before proposing anything.
Strategy Proposal
We identify which strategies may apply based on your specific facts. We are direct about what is realistic and what is not.
Quarterly Cadence
Strategy is not a one-time event. We meet quarterly so the plan stays current as your income, structure, and goals evolve.
Two Coordinated Firms
Tax decisions and investment decisions coordinated, not siloed.
Total Wealth Tax Advisory handles your CPA work — tax preparation, advisory, bookkeeping, and representation. Total Wealth Services, LLC, our affiliated SEC-registered investment adviser, handles investment management with assets custodied at Schwab. The two teams work from the same plan, so a portfolio decision never happens in isolation from its tax consequence.
Total Wealth Tax Advisory
CPA / Tax Advisory
Tax preparation, proactive advisory, bookkeeping, payroll, and IRS representation.
Total Wealth Services, LLC
SEC-Registered Investment Adviser
Investment management and financial planning with assets custodied at Schwab.
Not sure which profile fits? Start with the documents.
Upload your prior return and we'll tell you which strategies may apply — no guessing, no commitment required.