Tax Planning Athens, GA

Keep More of What You Earn—Today and in Retirement

At Arch Financial Planning, we believe smart tax planning is one of the most powerful tools to build and preserve wealth. Whether you’re a high-income professional, business owner, or retiree, proactive tax strategies can significantly reduce what you owe and increase what you keep.

Our tax planning services go far beyond just preparing a return. We help you take control of your tax situation through personalized, year-round planning built into your comprehensive financial plan.

Let’s break down the key components of our tax planning philosophy.

You’ve saved diligently—we help you keep your taxes low today and in retirement.

– Cecil Staton, CFP®

How We Help Lower Your Lifetime Tax Bill

We design a tax strategy tailored to your financial life—not just for this year, but for decades ahead. Here’s how we help:

🔍 Annual Tax Return Review

We’ll review your most recent return to uncover missed opportunities, overpayments, and strategic planning gaps.

🔁 Strategic Roth Conversions

We help determine the right amount (and timing) of Roth conversions—especially valuable in low-income years or early retirement.

🧾 Coordination of Income Streams

From pensions and Social Security to RMDs and business distributions, we help you structure your income tax-efficiently to avoid unnecessary spikes in your tax bracket.

🗂️ Asset Location

Placing the right investments in the right accounts (taxable, tax-deferred, or tax-free) can help reduce taxes on interest, dividends, and capital gains.

❤️ Charitable Giving Strategies

We help maximize the tax impact of your giving through donor-advised funds, qualified charitable distributions (QCDs), and gifting highly appreciated assets.

💡 Navigating Medicare IRMAA

Higher income in retirement can trigger surcharges on your Medicare premiums. We help you stay below key IRMAA thresholds with smart income and withdrawal planning.

⚖️ Ongoing Tax Law Monitoring

Tax laws are constantly changing. We stay on top of new legislation so your plan is always optimized for today’s rules—not last year’s.

Why Tax Planning Matters More Than Ever

Too often, people overpay in taxes simply because they didn’t know they had options. With inflation, rising healthcare costs, and tax brackets likely to shift in the future, strategic tax planning is critical to preserving your wealth and staying on track with your financial goals.

Whether you’re a dentist nearing retirement, a tech executive with equity compensation, or a business owner looking to minimize your annual tax burden, we can help.

Ready to Keep More of Your Wealth?

Let’s create a plan that helps reduce your tax bill now—and for decades to come.
👉 Schedule your free introductory call today and see how proactive tax planning can make all the difference.