Where most people startCash flow, retirement, big decisions
ExploreFinancial planning
A written plan that ties your income, savings, retirement and big decisions to the life you want.
Written planCash flow and retirementReviewed every year
Tax planning
Taxes, planned
before the deadline.
Tax season records what already happened. We look ahead at the decisions that shape next year’s return, and share our notes with whoever prepares it.
Alongside your preparerThe Grove approach
Timing is part
of the decision.
When you sell, when you withdraw, which account you draw from and how you give to charity can all change the tax that follows. Most of those choices are made long before anyone files a return.
Grove does not prepare tax returns. We plan the decisions, and we work alongside your CPA or tax preparer so that the plan and the filing agree.
What we look at
Where the work
goes in.
Four areas we cover in every tax planning conversation.
Income timing
Bonuses, business income and the year you stop working can sometimes be spread or shifted when you see them coming.
Withdrawal order
Which account to draw from first in retirement, and how that choice carries into later years.
Gains and losses
When to sell investments that have grown, and whether a loss can be put to use.
Giving
Ways to support the causes you care about that also fit the rest of your plan.
What you leave with
Clear outputs,
in writing.
- A list of the tax-sensitive decisions in your year
- Notes for your tax preparer
- A calendar of the dates that matter to you
- Questions to raise before year end
Questions we will ask
Come ready
to talk about.
- Who prepares your return today?
- Do you expect your income to rise or fall over the next few years?
- Are you planning a large sale, gift or withdrawal?
- Which accounts hold most of your savings?
Planned alongside
Connected
services.
Where most people start
Every account in viewPortfolios with a purpose
ExploreInvestment planning
Portfolio decisions tied to your goals, your timeline and the amount of risk you can live with.
Goal by goalRisk you can live withCosts explained
Your next step
Build on a steadier
financial footing.
Start with one focused conversation about what matters to you, what is changing and where a clearer picture would help.