Your return should be the last step of a plan, not the whole relationship.
We prepare returns for Christian households who are retired or getting close, and who give generously. Then we stay involved the rest of the year: the Roth conversions, the giving, the distribution timing. In person or fully remote.
What we do
Four things make up the engagement. Preparation is one of them.
Return preparation, done with the plan in view
We file the return, but we prepare it knowing what happens next year. Nothing gets filed in isolation from your income, giving, or retirement picture.
Year-round tax planning
Roth conversions, RMDs, Social Security timing, charitable timing and withholding, looked at before December instead of after. You get a projection, not a surprise.
Portfolio decisions read as tax decisions
Asset location, harvesting, dividend and distribution timing. We look at what your accounts are doing before the return is prepared, not after.
Built for households that give
Our clients are Christian households who tithe and support missions. QCDs, donor-advised funds and multi-year giving plans are everyday work here, not an edge case.
Three situations we see often
Based on real engagements, with details changed for privacy. Pick one to read what we looked at and how it turned out.
Retired Christian couple who wants to give charitably, efficiently
Situation
- Comfortably retired married couple with a strong desire to support their church, missions, and family causes generously
- Concerned they weren't getting the full value out of their giving and were overpaying on taxes
- Wanted to align charitable goals with long-term tax and legacy planning without disrupting their own distributions
Analysis
- Qualified Charitable Distribution (QCD) modeling from IRAs
- Donor-Advised Fund (DAF) contribution strategy using appreciated assets or pre-tax funds
- Multi-year charitable giving plan aligned with tax brackets and RMD requirements
- Coordination with overall retirement income and estate planning
Results
- $11,800 saved in federal and state income taxes through strategic DAF funding and QCDs
- $52,000 contributed to a DAF with an immediate deduction while keeping grant-making flexibility
- Reduced taxable RMD impact and a larger charitable legacy without depleting cash flow
Soon-to-be-retired Christian couple living frugally and aligning investments with their faith
Situation
- Approaching retirement with modest spending habits and substantial pre-tax retirement savings
- Uncomfortable holding stock in companies whose actions contradicted their Biblical values
- Facing large yearly tax bills from unmanaged dividends, capital gains, and distributions
- Wanted a portfolio that reflected their values, with taxes considered along the way
Analysis
- Roth conversion modeling and tax bracket management during lower-income years
- Review and rebalancing toward Biblically Responsible investment options
- Tax-efficient asset location modeling
- Capital gains harvesting, tax-loss opportunities, and coordination with the retirement income plan
Results
- $9,200 saved in taxes through strategic Roth conversions and optimized asset location
- Portfolio aligned with their Biblical values
- Confidence that their investments reflect their faith while supporting tax-efficient retirement income and their simple lifestyle
Recently widowed retiree navigating distributions and Social Security
Situation
- Recently widowed with substantial retirement savings, unsure where and how to withdraw tax-efficiently
- Their spouse had always handled the finances, so every decision was new
- Starting Social Security and concerned about how it interacts with withdrawals, RMDs, and Medicare premiums (IRMAA)
- Wanted a clear, sustainable income plan that runs simply
Analysis
- Social Security claiming coordinated with the distribution strategy
- RMD planning and strategies to minimize Medicare IRMAA surcharges
- Personal education and a multi-year projection to build confidence and clarity
- Income sequencing and tax bracket management across Traditional, Roth, and taxable accounts
Results
- $7,900 saved in federal and state taxes through optimized withdrawal timing and sequencing
- Lower Medicare premiums and a more predictable income stream
- Automated, regularly monitored setup that keeps the technology simple
- A straightforward plan built for this new chapter
These situations are illustrative and based on past client engagements. Every household is different, and tax savings depend on your specific circumstances. Past results do not guarantee future outcomes.
Tell us about your situation
A few questions so we know whether we're the right fit before anyone books time. We read every submission and reply within two business days.
Basic returns are $700, planning included.