Lower the taxes you'll pay over a lifetime, not just this April.
In short
Retirement tax planning means managing when and how your income is taxed across your whole retirement, using Roth conversions, tax-bracket management, and withdrawal sequencing to lower the total tax you pay over a lifetime, not just in the current filing year.
Most people meet their accountant once a year, after the decisions that drive their tax bill have already been made. By then the return is just a record of what happened.
We work the other direction. Because Alo is led by a CFP® who is also a CPA, tax strategy runs through the whole plan: which accounts you draw from first, when a Roth conversion is worth it, how a big equity-comp year should be handled. The goal is the lowest total tax across your retirement, not the smallest number on this year's return.
What this looks like
How we put it to work
Roth conversions, sized correctly
We model conversions bracket by bracket so you fill up lower brackets in low-income years, without tripping into higher Medicare premiums or losing ACA subsidies.
Withdrawal sequencing
The order you tap taxable, tax-deferred, and Roth accounts can swing your lifetime tax bill by six figures. We map that order years ahead.
Equity and deferred compensation
RSUs, options, and deferred-comp elections all have tax timing built in. We plan the years around them instead of reacting at vest.
RMDs, QCDs, and IRMAA
Required distributions, charitable giving straight from an IRA, and the income thresholds that raise Medicare premiums, all coordinated rather than left to chance.
The Alo difference
A CPA background most advisors don't have, applied before decisions are made rather than after.
Your accountant reports the past, preparing an accurate return for a year that's already over. We plan the future: we look several years ahead and change the decisions that determine those returns, so the numbers your accountant files are lower to begin with. Many of our clients keep their existing CPA for filing while we handle the strategy.
