Tax Planning Services
Tax Planning Isn't Tax Preparation
McCabe & Associates coordinates tax-smart strategies across your entire financial plan and works alongside your accountant, so taxes are planned for, not reacted to.
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The Real Risk
Where Tax Planning Breaks Down
At this level of wealth, the difference between a good year and a costly one is rarely the market. It is the tax decisions that were made, or missed, along the way.
Planning Once a Year
Tax planning that happens only at filing time is too late to change the outcome. The opportunities live in the decisions you make all year long.
Advisors Who Don't Talk
When your advisor and your accountant work in separate lanes, strategies fall through the cracks and you pay for the disconnect.
Strategies Left on the Table
Roth conversions, gifts to kids, charitable timing, and tax-aware withdrawals only help if someone is watching for the right moment to use them.
What We Do
Tax Planning Services
A year-round process that keeps taxes in view on every decision, coordinated with the professionals who file your return.
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Year-Round Tax Strategy
We plan around your taxes all year, looking for opportunities to complete Roth conversions, tax-loss harvesting, and charitable gifts at the right time.
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Coordination With Your Accountant
We work directly with your accountant by providing them with items such as 1099s, capital gain or dividend information, and updating tax withholding or estimated tax payments.
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Tax-Efficient Investing
We integrate items such as ETFs and municipal bonds into taxable accounts to create tax-efficiency while looking for tax-loss harvest opportunities throughout the year to mitigate your tax bill.
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Roth Conversions and Withdrawal Timing
We model when to convert, when to draw, and from which accounts, so your income is structured to keep more in your hands.
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Charitable and Gifting Timing
We line up charitable gifts and family transfers by considering tactics like bunching contributions, gifting stock like-kind, and intra-family loans.
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Let's Discuss Your Tax Planning Needs
Using our virtual family office, you can meet with our advisors from the comfort of your own home while receiving the same level of service you deserve.
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The McCabe Difference
What Makes Our Firm Stand Out
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We provide your accountant with things like your 1099s and capital gain information.
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We sit in on meetings with your CPA to make sure that we're all on the same page.
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We can leverage tech to analyze your tax return and provide better tax planning in-house.
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We are proactive in adjusting tax withholding and help our families with their estimated tax payments.
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We proactively contact our clients and their accountants when tax law changes.
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Our clients trust us to handle $1.15B in assets (as of 6/30/2026)
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Tax Planning Resources
Articles to help you think through the tax decisions that shape what you keep.
Featured Resource
The Interactive Wealth Bridge
See how tax planning connects to every other part of a coordinated financial plan.
Explore the Wealth Bridge
Tax Planning Articles
The Backdoor Roth IRA
How the strategy works, and the warnings worth knowing before you use it.
Read articleRoth Conversions
When converting makes sense and how to think through the tax tradeoff.
Read articleQualified Charitable Distributions
How to give from an IRA in a way that lowers your tax bill.
Read articleAudience Playbooks
The Business Owner's Exit Playbook
Succession, liquidity, and transfer planning for families whose wealth is tied to a business.
View playbookThe 5M Family Wealth Playbook
A planning roadmap for families managing wealth in the multimillion-dollar range.
View playbookThe Great Wealth Transfer
What the coming transfer of wealth between generations means for your family.
View playbookQuestions
Frequently Asked Questions
Do you replace my accountant?
No. We work alongside your accountant. We coordinate the strategy and the planning, your accountant files the return, and we make sure the two stay aligned so nothing is missed.
When should tax planning actually happen?
Year-round. The decisions that change your tax outcome, from conversions to gifting to when you sell, happen throughout the year. Waiting until filing season means the best opportunities have already passed.
Can you help lower the tax on my investments?
Yes. We weigh the tax cost of where assets are held and when they are sold, so your returns are not quietly eroded by tax drag that planning could have avoided.
Is a Roth conversion right for me?
It depends on your income, your timeline, and your future tax picture. We model the tradeoff with you rather than applying a rule of thumb, so the decision fits your situation.
Can you work with me if my family lives across the country?
Yes. Through our virtual family office, we plan, coordinate, and meet with you wherever you are, with the same level of service as meeting in person.
Is tax planning the only service you provide?
No. Tax planning is one part of a coordinated plan. We also handle investment management, estate planning, retirement income, and more, so the pieces work together instead of in isolation.
Direct Services
Investment Risk Management
Identify and mitigate portfolio risk through every market cycle.
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In-depth analysis of opportunities aligned with your long-term goals.
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Continuous oversight with proactive rebalancing strategies.
Learn MoreEducation Planning
Tax-efficient strategies to fund education without disrupting your plan.
Learn MoreRetirement Planning
A sustainable income strategy for the retirement you've worked toward.
Learn MoreCharitable Planning
Maximize philanthropic impact while optimizing tax advantages.
Learn MoreGenerational Planning
Preserve and transfer wealth across generations with purpose.
Learn MoreOrganizing Your Plan
Bring clarity and structure to your complete financial picture.
Learn MoreLiaison Services
Tax Planning
Coordinate tax-smart strategies across your full plan year-round.
Learn MoreCybersecurity
Protect your financial accounts from evolving digital threats.
Learn MoreEstate Planning
Ensure your assets and legacy transfer exactly as intended.
Learn MoreInsurance Planning
Evaluate coverage gaps and optimize protection for your family.
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