Tax Planning & Preparation
Year-Round Strategy for Individuals & Families
Strategies to Reduce Your Tax Burden
Smart Moves to Minimize Taxes
At Cremé Wealth, tax planning in Plano TX is not a once-a-year event—it’s a proactive, year-round process. We help individuals and families take advantage of tax-saving opportunities throughout the year, not just when it’s time to file.
Our strategies include:
- Maximizing deductions and credits that fit your financial situation
- Contributing to traditional or Roth IRAs for long-term tax benefits
- Using health savings accounts (HSAs) and 529 education plans effectively
- Timing capital gains and losses for investment efficiency
- Structuring charitable donations for optimal impact
We work closely with you to identify every available opportunity to reduce your taxable income and keep more of your hard-earned money.
Retirement Tax Planning
Reduce Taxes in Retirement and Beyond
Retirement brings new financial considerations, and tax strategy plays a major role. Our retirement tax planning process helps you determine when and how to draw income from your investments, pensions, and Social Security to minimize taxes over time.
We’ll explore strategies like:
- Coordinating Required Minimum Distributions (RMDs)
- Using Roth conversions in low-income years
- Timing Social Security benefits to control taxable income
- Leveraging Qualified Charitable Distributions (QCDs) for tax-free giving
By blending investment management and tax efficiency, Cremé Wealth helps clients turn retirement savings into sustainable income with fewer tax surprises.
Tax Law Changes & Alerts
Staying Ahead of Tax Law Updates
Tax laws change frequently, and even small updates can affect your bottom line. Cremé Wealth stays up to date on contribution limits, deduction thresholds, and other policy shifts so clients don’t miss opportunities.
We proactively reach out when changes could impact your plan—whether it’s adjusting withholdings, updating retirement contributions, or changing how you file after a life event. This ongoing monitoring keeps your
tax strategy flexible and effective year after year.
Common Tax Planning Questions
Will you file my taxes for me?
Yes. Through our CPA partner, we can prepare your returns—or coordinate with your existing tax professional if you prefer.
How is tax planning different from tax preparation?
Tax planning is forward-looking, helping reduce future taxes. Tax preparation focuses on filing last year’s return accurately. Cremé Wealth offers both to ensure a complete solution.
Can you help if I receive a large bonus or sell investments?
Absolutely. We’ll design a custom strategy—such as retirement contributions, charitable giving, or timing income—to offset potential tax burdens.
Do you work with business owners on taxes?
Yes, we help business owners through coordinated bookkeeping, planning, and filing support. Learn more about small business bookkeeping and tax services.
Plan a Tax-Efficient Future
Get More From What You Earn
Smart tax strategy isn’t about complexity—it’s about clarity and timing. Cremé Wealth helps Plano-area families and professionals reduce tax drag, simplify recordkeeping, and coordinate every piece of their financial life for maximum efficiency. Whether you’re approaching retirement, managing stock options, or running a small business, the right planning can make a measurable difference. Let’s start building your personalized tax roadmap today.