Tax-First Wealth Management
Tax decisions and investment decisions — coordinated, not siloed
We do not guess. We review the documents, propose, and implement. Total Wealth Tax Advisory is the CPA firm; Total Wealth Services, LLC is the SEC-registered investment adviser. Two teams, one relationship — so every financial decision is evaluated through a tax lens before it happens.
The Integrated Model
Two firms. One coordinated relationship.
Most clients work with a CPA for taxes and a separate advisor for investments. The two teams rarely speak. We built Total Wealth Tax Advisory to fix that.
Total Wealth Tax Advisory is the CPA firm — tax advisory, tax preparation, bookkeeping, payroll, CFO services, and IRS representation. Total Wealth Services, LLC is the SEC-registered investment adviser, with client assets custodied at Schwab and financial planning at the center of the practice.
The two teams share a client relationship. When the investment side is considering a portfolio change, the tax side is already at the table. When the tax plan calls for a Roth conversion or a change in distributions, the investment side adjusts accordingly. Neither side makes a unilateral decision that surprises the other.
Total Wealth Tax Advisory
CPA / tax advisory
Our CPA firm. Full service — tax preparation, bookkeeping, payroll, CFO support — but the focus is proactive tax advisory throughout the year.
Total Wealth Services, LLC
SEC-registered investment adviser
Our investment firm — a registered investment adviser, with client assets custodied at Schwab. Financial planning is the cornerstone of the practice.
Investment assets custodied at Charles Schwab & Co.
Client assets are held in accounts at Schwab — not at the adviser. You retain direct access and full transparency.
Our Services
Advisory. Compliance. Accounting.
Three categories, one relationship. Each category reinforces the others — the advisory plan informs what the return reflects; the return confirms what the books show; the books make the quarterly projections reliable.
Year-Round Strategy
AdvisoryTax planning that happens before the year closes
Tax strategy is decided before December 31st — not on April 15th. Our advisory practice runs on a quarterly cadence: income projections, entity-structure reviews, retirement and compensation planning, and guidance on every financial decision with a tax consequence. For companies that need more, CFO Services adds projections, cash-flow visibility, and board-ready reporting to the relationship.
Tax Advisory
Financial planning for taxes — our flagship
Proactive, year-round tax planning instead of rear-view-mirror filing. We meet on a quarterly cadence, build projections, and evaluate which strategies may apply — so you understand your tax position before the year closes, not after.
Learn moreCFO Services
Financial leadership for growing companies
Fractional CFO support — projections, cash-flow visibility, KPI reporting, and the financial decision support a growing business needs — integrated with the tax plan rather than bolted on.
Learn moreAll Advisory servicesAccurate Filing
ComplianceReturns that reflect the plan — prepared by credentialed professionals
Every filing is the conclusion of a year-long process. We prepare and e-file federal and state returns — individuals, S-corps, partnerships, C-corps, trusts, and multi-entity groups — ensuring complex forms like brokerage statements, K-1s, and real estate schedules are handled correctly. When IRS or state notices arrive, we review what is actually being asked and respond on your behalf under power of attorney.
Tax Preparation
Accurate, defensible federal & state returns
Preparation and e-file of federal and state returns — individual and entity — with correct treatment of complex forms like brokerage statements, K-1s, and real estate. Often coordinated with advisory so the return reflects the plan.
Learn moreIRS & State Help
Notices, audits & representation
Help responding to IRS and state notices, audit support, and representation under a power of attorney where appropriate. We review what's actually being asked and respond on your behalf.
Learn moreAll Compliance servicesThe Foundation
AccountingClean books and compliant payroll — every month
Accurate financials are the foundation of accurate tax projections. When the underlying accounting is current and correct, strategy becomes reliable rather than theoretical. We handle monthly bookkeeping, S-corp payroll coordinated with reasonable-compensation planning, and accountable-plan reimbursements — so the numbers you share with us at every quarterly review are the numbers that are actually happening.
Bookkeeping & Accounting
Clean books that make planning possible
Year-round bookkeeping, entity compliance, and accounting support. Clean, current financials are the foundation of accurate projections and defensible business-owner strategies.
Learn morePayroll
Compliant payroll, coordinated with strategy
Payroll processing and filings, coordinated with reasonable-compensation planning for S-corp owners and accountable-plan reimbursements so the numbers line up with the strategy.
Learn moreAll Accounting servicesWho We Serve
Built for financial lives with real complexity
Whether the complexity comes from a business, a portfolio, real estate, or a combination — the planning menu is broader when the tax and investment sides work together.
Business Owners
S-corps, LLCs, and partnerships have the deepest strategy menu. Entity structure, compensation, retirement plans, and the pass-through SALT election — coordinated at the entity and personal level.
Real Estate Investors
Short-term and long-term rental owners, developers, and operators. Cost segregation, placed-in-service timing, depreciation recapture planning, and 1031 coordination.
Concentrated Equity
Pre-IPO equity, RSUs, and low-basis positions. We coordinate the tax and investment sides to evaluate diversification timing, loss-generation, and hedging overlays where suitability fits.
High-Income W-2
Withholding precision, backdoor Roth, mega-backdoor Roth, HSA strategy, and tax-efficient investing in taxable accounts. Fewer levers — used well.
Retirees
Withdrawal sequencing, Roth conversion windows, IRMAA management, qualified charitable distributions, and RMD planning — coordinated with your income picture.
Real Estate Agents
1099 income, entity decisions, retirement plan options, and client-facing tax angles. We help you run a cleaner business and look sharper in front of clients.
How We Work
Document-first. Proactive. Year-round.
A brief look at what the engagement actually looks like — from first conversation to ongoing quarterly partnership.
01
We start with the documents
Every engagement begins with a document review — your last two returns, entity paperwork, and investment statements. We do not guess. We review the documents, propose, and implement.
02
A quarterly planning cadence
We meet on a quarterly schedule. The worst case: we break the news in November or December. The best case: we change the outcome. Either way, you are not surprised at tax time.
03
Tax and investment decisions coordinated
The CPA firm and the RIA share a client — not a handoff. When an investment decision has tax consequences, both sides know about it before it happens, not after.
Our Platform
Professional-grade tools, end-to-end
The same platforms used by leading RIA and CPA firms — configured so your data is accurate, secure, and fully integrated across tax and investment.
Schwab
Investment custody
Onvio
Secure client portal
UltraTax
Tax preparation
RightCapital
Financial planning
Advyzon
Portfolio & CRM
Secure Document Exchange
All documents move through Thomson Reuters Onvio — encrypted, permissioned, and organized by engagement. Nothing arrives by email attachment.
Integrated Planning
RightCapital drives the financial plan; Advyzon tracks the portfolio. Both feed into quarterly advisory reviews so every recommendation is data-driven, not directional.
Custody at Schwab
Investment assets are custodied at Charles Schwab. You have direct account access, real-time visibility, and an institutional-grade custody relationship independent of the adviser.
Ready to see what a coordinated tax and wealth relationship looks like?
A discovery call takes 20 minutes. We review what you have, explain what we would evaluate, and tell you honestly whether there is enough complexity to warrant the relationship.