Tax Planning

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Build and Protect Wealth with a Smart Tax Strategy

Taxes impact nearly every part of your financial life—from your paycheck and investments to your retirement accounts and estate plan. Yet many people treat tax planning as a once-a-year task instead of a year-round opportunity to build, preserve, and protect wealth.

At Matthews Financial & Insurance Solutions, we believe tax planning isn’t just about minimizing what you owe—it’s about maximizing what you keep. Through our Quality of Life Planning process, we integrate tax-smart strategies into every area of your financial life, helping ensure your money is working as hard for you as you worked to earn it.

Without a proactive tax plan, even the best investment or retirement strategy can fall short. Changes brought by the One Big Beautiful Act (OBBA) have reshaped how income, investments, and estates are taxed—creating both new opportunities and potential pitfalls. Our goal is to help you navigate this new landscape with confidence and clarity.

 

How We Can Help

  • Identify tax-saving opportunities
    We start by reviewing your current financial situation—your income, investments, retirement accounts, and deductions—to uncover opportunities to reduce your tax burden. Whether through timing of withdrawals, optimizing charitable giving, or leveraging tax-advantaged accounts, our strategies are customized to your goals.
     
  • Integrate tax planning with your financial plan
    Tax decisions don’t happen in isolation. We align your investment, retirement, and estate strategies to ensure each decision supports a coordinated, tax-efficient outcome. From Roth conversions to capital gains planning, we’ll help you understand how each move impacts your broader financial picture.
     
  • Adapt to new rules under the OBBA
    The One Big Beautiful Act has introduced significant updates to tax brackets, deductions, and estate thresholds. We’ll help you understand how these changes impact your income, business, and retirement accounts—and design strategies to take advantage of new opportunities while minimizing exposure.
     
  • Prepare for retirement income taxes
    Your income sources in retirement—Social Security, pensions, IRAs, or investment withdrawals—all have different tax implications. We help you create a withdrawal strategy that balances cash flow and tax efficiency, ensuring your income lasts as long as you need it.
     
  • Coordinate with your estate and legacy plan
    Taxes don’t stop at retirement. We integrate your estate and inheritance goals with your tax strategy to help preserve more of your legacy for loved ones. Through our partnership with Wealth.com, we make sure your estate documents and beneficiary designations align seamlessly with your tax-efficient plan.
     
  • Provide ongoing review and support
    Tax laws and your life circumstances evolve. We review your tax strategy regularly to identify new opportunities, minimize surprises, and keep your plan aligned with your goals. Our commitment is to keep your strategy proactive, efficient, and forward-looking.