Tax Planning Services in Sacramento
Tax Planning that helps you keep more of what you've earned
Our tax planning helps you take the right actions throughout the year and avoid missed opportunities.
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ProsperPlan Wealth is a fee-only fiduciary advisory firm.
Smart tax planning doesn’t happen in April
It’s shaped by thoughtful decisions over time.
Your whole financial picture,
in one place.
Your investments, retirement accounts, income, and tax strategy working together, so nothing falls through the cracks.
End your annual tax
filing stress.
Your tax strategy is built into your financial roadmap. Fewer surprises. Fewer missed opportunities. More clarity.
Guidance that brings
everything together.
We help you navigate retirement income, Social Security, Medicare, and taxes with a coordinated plan.
Tax strategies that
shape your future.
From Roth conversion planning to managing concentrated stock, we help you make tax-smart decisions that compound over time.
Plan taxes proactively. File them conveniently.
Tax planning with professional coordination.
We provide year-round tax strategy as part of your financial plan, coordinating with your CPA or tax professional to ensure your filing reflects the planning decisions you make throughout the year.
Full-service tax preparation with a trustworthy team.
For clients who want everything under one roof, we offer coordinated tax preparation through our partnerships with licensed tax professionals. They help us keep your taxes aligned with your investment and retirement strategy.
“The biggest tax savings don’t come at tax time. They come from planning. When income, investments, and retirement work together, families keep more of what they’ve earned.”
Personal tax planning services
Our Core Tax Strategies
Roth Conversion Planning
Thoughtful Roth strategies designed to reduce lifetime taxes and create future tax-free income.
Capital Gains Management
We help offset gains and time sales carefully so more of your money stays working for you.
Tax-Aware Investment Placement
Assets are placed intentionally across taxable, tax-deferred, and tax-free accounts for better after-tax results.
Medicare & Income Threshold Planning
Income planning to help reduce Medicare premium surcharges and avoid unnecessary tax brackets.
Retirement Withdrawal Sequencing
We design withdrawal strategies that support cash flow while minimizing taxes over time.
Business & Rental Property Tax Strategy
From depreciation to entity structure, we help business owners and rental property clients use planning tools more effectively.
Clear insight. Thoughtful strategy.
Tax planning at ProsperPlan starts with your whole financial picture. From day one, we use advanced software like Holistiplan to analyze your tax returns and financial data. That gives us clear insight early, allow us to spot opportunities, flag risks, and help you keep more of what you earn.
Step 1: Tell Us Your Goals
We begin with a conversation about your income, benefits, investments, and what you want life to look like. At the same time, we securely analyze your existing tax documents using professional software uncover deductions, missed opportunities, and planning strategies specific to your situation. This gives us a clear starting point and ensures your plan is built on real data.
Step 2: Tax Strategy Design
Next, we design a personalized tax strategy that supports your lifestyle today and your retirement tomorrow. This includes reviewing Roth conversion opportunities, income timing, investment placement, Medicare considerations, and long-term withdrawal planning.
Every recommendation is coordinated with your overall financial roadmap so your tax decisions reinforce your bigger goals.
Step 3: Adapt as Life Evolves
Your plan is not static. Markets change. Tax laws evolve. Life happens. We meet with you regularly to adjust your strategy, monitor progress, and make proactive updates so you stay aligned with what matters most. This ongoing relationship helps reduce surprises and keeps your financial plan moving forward with confidence.
Estimate Your Capital Gains Taxes in Minutes
Capital Gains Tax Estimator
Your Questions, Answered
Key questions about tax planning and financial planning.
Essential FAQs
What do you mean by tax planning?
Tax planning is the ongoing process of making thoughtful financial decisions throughout the year to reduce taxes over time. It looks beyond your tax return and focuses on how your income, investments, retirement accounts, and benefits all work together.
At ProsperPlan, we integrate tax strategy directly into your financial plan. That means we look at things like Roth conversions, withdrawal timing, capital gains, and Medicare thresholds so your money is organized in the most tax-efficient way possible.
The goal is simple: fewer surprises, fewer missed opportunities, and more confidence knowing your plan is designed to help you keep more of what you earn.
How does tax planning differ from tax preparation?
Tax preparation is about reporting what already happened. Tax planning is about shaping what happens next.
Most people only think about taxes once a year when they file. Tax planning happens year-round and focuses on proactive decisions like when to take income, how to invest tax-efficiently, and how to structure retirement withdrawals.
We help clients plan first, then file. For those who want everything under one roof, we also offer coordinated tax preparation through licensed professionals, so your filing reflects the strategy behind it.
Do you have a tax team?
Yes. We partner closely with experienced tax professionals and accountants to give our clients a fully coordinated planning experience.
Your financial plan and your tax strategy work best when everyone is aligned. Before you ever see your tax documents, our team reviews everything to ensure it matches our records and reflects the planning decisions we’ve made together.
This extra layer of review helps reduce errors, avoid surprises, and make sure your filing aligns with your overall financial strategy. It’s part of how we provide thoughtful, high-touch service and peace of mind.
We will also happily collaborate directly with your CPA or connect you with trusted tax professionals when needed.
Do you help with business or rental property taxes?
Yes. If you own a business or rental property, your tax picture is naturally more complex and often full of opportunity.
We help clients evaluate entity structure, depreciation strategies, retirement plans for business owners, and rental property deductions. Everything is coordinated with your CPA so planning decisions align with proper tax reporting.
Our role is to help you see the bigger picture and make smarter decisions that improve cash flow and long-term outcomes.
.
Is estate planning tax deductible?
Under current IRS laws, individuals generally can’t deduct estate planning fees. However, some expenses tied to managing a taxable estate, such as legal or administrative costs, may be deductible on the estate’s tax return. Our tax planning and advisory services division can help clarify what applies to your specific situation.
Should I consider Roth conversions?
For many people, Roth conversions can be a powerful way to reduce lifetime taxes and create tax-free income later in retirement. But they are not right for everyone, and timing matters.
We analyze your current tax bracket, future income expectations, Medicare considerations, and long-term goals before recommending any conversion strategy. When done thoughtfully, Roth planning can provide flexibility and peace of mind.
Our approach focuses on gradual, strategic conversions that fit into your overall retirement plan, not one-size-fits-all advice.
How does Medicare affect taxes?
Medicare premiums are tied to your income, and higher earnings can trigger additional charges called IRMAA. These surcharges often surprise people because they are based on income from two years prior.
We help clients understand how retirement income, Roth conversions, and investment gains affect Medicare costs so there are no unexpected increases.
By coordinating income carefully, we aim to reduce both taxes and healthcare premiums whenever possible.
How do I reduce taxes in retirement?
Reducing taxes in retirement starts with understanding where your income comes from and how each source is taxed. Social Security, pensions, IRAs, brokerage accounts, and Roth accounts all work differently.
We help you design a withdrawal strategy that balances cash flow with long-term tax efficiency. That often includes thoughtful Roth conversions, managing capital gains, and coordinating income to avoid unnecessary tax brackets or Medicare surcharges.
Retirement tax planning is not about chasing loopholes. It is about building a steady, intentional approach that supports your lifestyle while protecting your future.
What is strategic tax planning?
As fiduciary financial advisors, ProsperPlan Wealth’s tax strategy services team views tax planning as a tailored, proactive process that integrates your tax decisions with your broader financial objectives to reduce your lifetime tax burden. This approach includes carefully managing the timing of income, deductions, and withdrawals.
Pricing & Contracts
How does ProsperPlan charge for its private tax planning services?
Tax planning is included as part of our comprehensive financial planning relationship. We are fee-only fiduciaries, which means do no charge ancillary fees to give your great advice on how to manage your entire financial life.
Our fees are based on the level of planning and assets we manage, and everything is transparent. You will always know how we are paid and what services you receive.
For clients who choose coordinated tax preparation, those services are provided by licensed tax professionals and priced separately. We are happy to walk you through all options so you can choose what feels right for you.
Expertise & Credentials
How does ProsperPlan help with tax planning?
At ProsperPlan Wealth, tax planning is woven into your entire financial life. We don’t just review last year’s return. We help you make forward-looking decisions by coordinating investments, retirement income, and life changes with thoughtful tax strategy.
We use advanced tax projection software, including Holistiplan and RightCapital, to model real-world scenarios like Roth conversions, Social Security timing, income brackets, Medicare IRRMA brackets, and retirement withdrawals before decisions are made.
When needed, we collaborate closely with your tax filing professional or our trusted tax partners to keep your tax planning and filing aligned. You receive proactive guidance.
Are ProsperPlan advisors tax professionals?
We are not CPAs, but we are highly trained in tax-aware financial planning and professional tax projection tools.
Think of ProsperPlan as your family doctor for wealth. We understand your full financial picture, monitor your ongoing financial health, and help coordinate care with tax specialists when needed. Instead of fragmented advice, you get one clear plan supported by experienced professionals.
This approach keeps your strategy connected, personalized, and focused on your long-term well-being.
What makes ProsperPlan's tax planning different?
Most firms react to taxes after the year is over. We help you plan ahead.
Using Holistiplan, we create side-by-side tax projections so you can clearly see how today’s choices affect future outcomes. That includes modeling Roth conversions, capital gains, Social Security taxation, Medicare premiums, and retirement income.
You don’t just receive reports. You receive thoughtful guidance, coordinated care, and a tax-aware financial plan designed to protect your income and support the life you’re building.
What qualifications do ProsperPlan’s tax planning advisors hold?
With over three decades of combined experience, and having each earned master’s degrees, along with the prestigious Certified Financial Planner (CFPⓇ) designation, ProsperPlan’s partner advisors are among the most heavily credentialed and highly educated financial planners in the Sacramento region. And when you couple that with the fact that they are mid-career professionals? You’ve got a dream team that will be your partner for life.
Does ProsperPlan specialize in retirement income planning and business transition strategies?
Yes, a vast majority of our clients require either retirement income planning, the development of a business transition strategy, or both. As business owners, we have decades of combined experience working with people who require these precise types of planning and guidance.
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What Clients Say About Us
Testimonials are based on unique experiences from current clients and are not representative of all client experiences. Testimonials are unsolicited, and no cash or non-cash compensation has been provided. As a result, clients do not receive any material incentives or benefits for providing testimonials. Investing involves risk, including the possible loss of principal and fluctuation of value. Past performance is no guarantee of future results. Additional information about NewEdge Advisors, LLC, is available in its current disclosure documents, Form ADV, Form ADV Part 2A Brochure, and Client Relationship Summary Report which can be found online at the SEC’s Investment Advisor Public Disclosure (IAPD) database at www.adviserinfo.sec.gov
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Stop By To See Us
Explore our locations throughout the country to find the ProsperPlan team near you
Gold River Office
HQ & Mailing Address
2377 Gold Meadow Way
Suite 100
Gold River, CA 95670
(916) 909-3993
Roseville Office
3017 Douglas Blvd
Suite 300
Roseville, CA 95661
(916) 909-3993
Serving Your Today And Your Tomorrow
ProsperPlan Wealth’s Personal Tax Planning Services team focuses solely on what’s best for you and your long-term financial future.