Tax-Advantaged Financial Strategies


Taxes Are Your Biggest Expense

Every decision you make can affect how much you pay in taxes. Now, more than ever, the tax burdens placed on high-income families and businesses have made it essential to maintain a powerful and innovative tax strategy.

We will help you realize your potential to enjoy significant tax savings through our unique tax reduction strategies.

Our commitment to excellence in successful planning inspires us to remain an authority on current tax laws and regulations, to understand how they affect you, setting us apart from your current advisory team.


Reduce or Eliminate Income Taxes, Capital Gains Taxes, and Estate Taxes

Charitable Planning Makes it Possible

The foundation of this incredible financial planning opportunity lies in its benefit to the most noble of organizations - charities.  By participating in this planning opportunity, one can benefit charitable causes that help the most needy in our world.

Charitable Planning allows us to:

  1. Create an income tax deduction that we can use to reduce income tax payments and/or offset the taxes that would be due on a Roth IRA Conversion.  With the proper design and circumstances, the benefits could be enormous.  
  2. Eliminate the capital gains tax on highly-appreciated assets and still retain income for life or a term of years from that asset.
  3. Greatly reduce or eliminate estate taxes.
I ask all of my affluent clients if they are charitable, and more often than not, they say, “No.”

Then, I point out that they are actually very charitable, because they give to the IRS every year! Instead of letting Congress decide how to spend your money, why don’t you personally direct it to your favorite charities?

Income taxes, capital gains taxes, and estate taxes can all be either reduced or eliminated by participating in charitable planning. Let us show you how.
— Rao K. Garuda, CLU, ChFC

Let Your Business Provide You With Greater Tax Savings

 Creative Business planning makes it possible

You've worked hard to build your business, and after years of sacrifice, you have so many financial goals that you still want to achieve.  Believe it or not, this challenge is actually an opportunity to cut your taxes!

You may want to accelerate your retirement savings because you've spent years pouring money into your business.  You may want to retain quality employees to ensure successful growth and eventual continuity of your business.

Whatever your goal, we have a tax-advantaged financial solution for you!