Tax Planning
Tax-Efficient Wealth Building Strategies
The Darrow Wealth Management Program offers high- and ultra-high-net-worth individuals a complete solution to their ongoing wealth management and tax planning needs.
Common wealth management tax planning situations include:
- Ways to reduce taxable income
- Tax-efficient and tax-aware investing (tax-loss harvesting, direct indexing, asset location)
- Tax planning for stock options and equity compensation
- Retirement plan contribution strategies
- Deferred compensation
- Federal and estate tax considerations and gifting to family
- Retirement plans for business owners
- Roth IRA conversion analysis
- Advisory support around the sale of a business
- Withdrawal strategies in retirement
- Tax planning for required minimum distributions (RMDs)
- Charitable giving (donor-advised fund)
- Tax law changes
- Inherited IRA withdrawal strategies
Tax-Aware Investing Solutions
According to a 2025 BlackRock survey, many financial advisors aren’t offering their high-net-worth clients a full suite of tax planning services. In fact, only 54% of advisors surveyed consider asset location and 49% consider holding periods to avoid costly short-term capital gains.
Darrow Wealth Management integrates all seven tax-planning strategies into our portfolio management process, customizing outcomes to the client’s specific needs, tax situation, and tax-sensitivity:
- Tax-loss harvesting
- Tax-exempt investments (municipal bonds; Treasurys)
- Prioritizing tax-efficient investments in taxable accounts
- Capital gains distribution monitoring
- Tax-aware rebalancing
- Asset location
- Minimizing short-term capital gains in trading
Advisory Team
Our team of sudden wealth financial advisors has deep experience in tax planning, financial planning, and wealth management:
- CERTIFIED FINANCIAL PLANNER® (CFP®) professionals
- Certified Public Accountant (CPA)
- Chartered Financial Analyst (CFA®)
- Accredited Estate Planner (AEP®)
- Licensed Attorney
- LLM in Taxation
Fee-Only Financial Advisor
As a fee-only financial advisor, we do not sell securities, investment products, or receive commissions or compensation from third parties.
Fiduciary Investment Advisor
A fiduciary duty means we are legally bound to act at all times for the sole benefit and interest of our clients. This is the highest act of loyalty, trust and care under the law.
Independent Registered Investment Advisor
Darrow Wealth Management is completely independent, so you don’t have to worry about manager conflicts or incentives to invest in proprietary products.
Tax Planning Related Articles
What is a Step Up in Basis? Taxing Inherited Assets
What is a stepped up basis? A step-up in basis offers a significant tax advantage to individuals inheriting stocks, ETFs, mutual funds, homes, and other
How Stock Options Are Taxed: ISO vs NSO
Tax Implications Of Exercising And Selling Stock Options Key Summary: There are two types of stock options: incentive stock options (ISOs) and non-qualified stock options
Why Non-Deductible IRA Contributions Aren’t Worth It
Investors often ask: should I be making nondeductible IRA contributions? In the majority of cases the answer is no. Why non-deductible? Because many taxpayers earn