Services · Novem Group
Tax-aware financial strategies for long-term wealth
Taxes are a planning variable, not an afterthought
For many households, taxes are one of the largest ongoing expenses over a lifetime — yet they are often addressed only at filing season. Tax-aware planning considers how account types, investment location, withdrawal order, and charitable strategies may influence what you keep over decades.
Common areas we discuss
Depending on your situation, conversations may include Roth conversion analysis, tax-efficient portfolio placement, capital gains management, required minimum distribution (RMD) planning, and coordination with your tax professional. We do not provide tax or legal advice; we help frame decisions for discussion with your CPA or attorney.
Withdrawal sequencing in retirement
The order in which you draw from taxable, tax-deferred, and Roth accounts can meaningfully affect your after-tax income. There is no one-size-fits-all sequence — the right approach depends on your balances, bracket outlook, and legacy goals.
Start with a snapshot
Take the free retirement assessment to see illustrative focus areas based on your timeline and financial picture — including topics that often intersect with tax planning for pre-retirees and retirees.
Ready to explore your options?
Schedule a conversation with Mackenzi or start with our complimentary assessment.
For educational purposes only. Not personalized investment, tax, or legal advice.