Strategic Tax Planning Services for High-Net-Worth Families and Individuals
Explore smart tax strategies to help protect your income, minimize estate and gift tax liabilities, and create opportunities for the long-term growth of your wealth. Creative Planning’s tax planning services go beyond tax preparation, proactively managing capital gains, charitable trusts and multi-generational wealth transfer strategies. We integrate tax guidance with your broader financial life, providing dedicated support for high-net-worth and ultra-high-net-worth individuals and families exclusively as part of our comprehensive wealth management offerings.
Strategic Tax Minimization
Taxes influence every aspect of your financial life, from day-to-day income to what you leave for future generations. For high income earners and those who have amassed high levels of net worth, thoughtful tax planning services expand beyond filing to address estate tax implications, income optimization across multiple streams, and asset protection. Our advisors coordinate closely with in-house accountants to align strategies with all aspects of your financial plan.
Creative Planning’s full integration and in-house services provide strategies to help safeguard and grow your wealth.
Integrating Tax Strategies With Your Custom Financial Plan
Comprehensive Wealth Management Integration: Our Approach to Tax Planning
Creative Planning’s approach to tax planning services is built around a process that integrates all aspects of your financial life. We start by exploring your income sources, family dynamics and long-term goals. Our accountants and financial advisors then design tailored strategies to coordinate with your overall investment and portfolio management approach. These strategies can include charitable giving coordination, tax-loss harvesting and future wealth transfer planning. In addition to crafting flexible strategies for wealth preservation, we can work through your annual tax preparation and filing to help ensure compliance across multiple jurisdictions.
By integrating tax considerations into your financial plan, we help ensure your wealth serves not only you but also future generations.
Estate Tax Planning and Wealth Transfer Strategies
Navigating estate and gift tax laws is a major priority for high-net-worth and ultra-high-net worth families — especially those who want to preserve and protect wealth across generations. Without a thoughtful plan, estate taxes may significantly reduce the assets passed on to your heirs. Creative Planning’s in-house advisors provide strategies to help mitigate these challenges, whether through lifetime gifting or the structured use of trusts designed for multi-generational preservation, using advanced vehicles such as irrevocable life insurance trusts and generation-skipping trusts to help support long-term family continuity.
We focus on opportunities like annual and lifetime gift exemptions, charitable trusts and advanced structures to combine tax efficiency with your family’s legacy goals. These strategies help reduce exposure to estate and gift taxes while providing clarity for wealth distribution. Our team coordinates closely with your broader estate planning needs to make sure all documents, trusts and beneficiary designations work seamlessly together, addressing everything from capital gains management to integrated family member planning.
Another cornerstone of our approach? Capital gains management. By carefully structuring transactions and incorporating tax-efficient investment strategies, we help minimize the tax burden when passing assets to the next generation. Families with philanthropic goals use our integrated charitable planning solutions, like donor-advised funds, charitable remainder trusts or charitable lead trusts, to balance giving with tax efficiency and further reduce taxable estates.
With Creative Planning, estate tax strategies never exist in isolation. They’re part of a coordinated multi-generational wealth transfer plan designed to preserve assets, reduce tax exposure and reflect your family’s values for generations.
Proactive Tax Strategies
Tax laws are complicated and constantly changing. That's why every decision we make on your behalf takes into consideration any potential tax implications. We integrate custom tax guidance with your overall wealth management and financial planning strategies to help ensure all aspects of your financial life work together to make the most of your wealth.
Tax-efficient gifting strategies, such as donor-advised funds, qualified charitable distributions and the direct transfer of appreciated stock, are a great way to lower your tax bill and maximize your charitable impact.
While some firms only realize investment losses to offset ordinary income at the end of the year, we perform tax-loss harvesting on client accounts all throughout the year whenever it's strategic to do so.
Periodically rebalancing a portfolio, especially during market pullbacks, allows investors to follow the adage "buy low, sell high."
Adjusting a portfolio's asset location can align your investments to the most tax-efficient accounts and help to lower your overall tax bill.
Experience You Can Trust
Our comprehensive approach helps ensure all aspects of your financial life are working together so that you can make the most of your wealth. And because we serve in a fiduciary capacity, you can be confident we're acting solely in your best interests. We don't sell or earn commissions on investment products, and our planning-led approach helps ensure your money is working as hard as it can for you, every day.
Why Work With Creative Planning
Creative Planning’s tax planning services are fully integrated into our broader private wealth management process (and not provided as a one-off service) to help ensure your tax strategies align with your investments, estate plan and family goals. Connect with a wealth advisor near you to see how our comprehensive approach can benefit you.
Frequently Asked Questions About Tax Planning
Aim to Minimize Tax Liabilities and Maximize Generational Impact
Connect with a Creative Planning advisor to explore how you can benefit from working with a wealth management team who will incorporate strategic tax planning services into your financial plan.
*Creative Planning is an independent wealth management firm, also providing business consulting, tax and financial services to clients, but is not a public accounting firm. Creative Planning works closely with BerganKDV, an independent and separately governed licensed CPA firm, to provide audit and attest services.
Latest Tax Planning Insights
Cost Segregation as a Practical Estate Planning Tool
Learn how a well timed cost segregation study can reduce final year income tax, use missed depreciation and support estate planning for real estate owners.
Introduction to Tax Planning for Ultra-High-Net-Worth Individuals and Families
Explore advanced tax planning strategies for ultra-high-net-worth individuals and families to help reduce taxes, protect wealth and support multigenerational wealth transfer.
Treasury Awards $10 Billion in New Markets Tax Credits
Treasury awards a record $10B in New Markets Tax Credits to 142 CDEs. Learn what this allocation means for those seeking NMTC financing.
