Tax Planning Services

Tax-smart strategies, aligned with your goals.

Move beyond once-a-year tax prep. Use proactive tax planning to help manage your taxes and keep more of what you earn working toward your future.

Why Work with JNBA for Tax Planning Consulting

Working with a financial advisor can help align your tax strategy with your entire financial picture, from investments and retirement to charitable giving and estate planning. At JNBA, our fiduciary advisors provide proactive, personalized guidance that goes beyond numbers. We take time to understand your goals, collaborate with your other professionals, and look ahead so your tax decisions support both today’s needs and your long-term plans.

Independent & Fiduciary: We work for you, not for commissions or products.
Collaborative Approach: We collaborate and coordinate decisions with your tax and legal professionals for cohesive planning.
Proactive & Personalized: Our team monitors your situation year-round, not just at year end.
Comprehensive Insight: We integrate tax strategy with investment management, estate planning, and retirement decisions to help you make confident, informed choices.

How JNBA Can Help with Tax Planning and Preparation

Coordination with Strategic Partners

We believe collaboration leads to stronger outcomes. Our advisors work closely with your tax professionals, estate attorneys, and other trusted partners to ensure a well-rounded and coordinated tax approach. Together, we align strategies across investment, retirement, and estate planning to help you achieve your long-term goals.

Income Tax Review

We regularly review your income tax return to look for ways to improve your overall plan. By understanding your full tax picture, we can suggest changes that may improve cash flow, help your investments better support your goals, and strengthen your long-term tax strategy.

Charitable Giving Strategies

Charitable giving is best when aligned with both your philanthropic goals and tax strategy. Our team reviews your current approach and may recommend options like Donor Advised Funds, gifts of appreciated stock, or Qualified Charitable Distributions (QCDs). Our goal is to help you maximize the impact of your generosity while reducing unnecessary taxes.

Smart Retirement Tax Planning

Tax-smart retirement planning is a key part of long-term financial success. Our team evaluates your retirement accounts and contribution options to help you make the most of what is available to you. We look at strategies like Roth conversions, IRA distributions, and plan contributions to help reduce taxes over time and support your retirement income goals.

Required Minimum Distributions Tracking

Once you’re required to take withdrawals from certain retirement accounts, we help you plan and track your Required Minimum Distributions (RMDs) each year. We coordinate timing and amounts, so you stay compliant with IRS rules, while helping manage the impact on your overall tax and income plan.

Capital Gains Oversight and Tax-Loss Harvesting

Throughout the year, we monitor your realized and unrealized capital gains to manage taxable events with intention. When appropriate, we use strategies like tax-loss harvesting to offset gains and help lower your tax bill. By combining investment insight with tax awareness, we help ensure that your portfolio supports both your financial goals and an efficient long-term tax outcome.

Tax Planning FAQs

What are tax considerations for high-net-worth individuals?

High-net-worth (HNW) individuals often face complex tax considerations involving investments, stock options, charitable giving, and estate planning. We help identify strategies that balance growth with tax efficiency, such as charitable trusts, tax-loss harvesting, and multi-year planning.

What is the difference between tax planning and tax preparation?

Tax preparation focuses on filing your annual return, while tax planning is a year-round process that anticipates and manages your tax exposure before it occurs. At JNBA, we focus on the tax strategy planning in collaboration with your tax professional and proactively communicate with them and coordinate meetings to support you in making proactive, informed decisions all year long.

How can I stay up to date on tax laws that affect me or my business?

Our advisors continuously monitor tax law changes and industry developments. We’ll proactively communicate updates that impact your plan, helping ensure you stay ahead of evolving tax regulations and opportunities.

Do I need a financial advisor and a tax advisor?

Most individuals should have a financial advisor along with a tax advisor, and ideally, they should work together. At JNBA, we collaborate closely with your CPA or tax preparer to align investment, retirement, and estate strategies with your tax plan for cohesive, efficient outcomes.

How can I start working with JNBA?

To start working with our advisors, simply schedule a no-obligation consultation by filling out a contact form or calling our office. We’ll get to know you, your goals, review your current tax strategy, and identify opportunities to optimize your plan for the future.