Services/No. 03
Planning included in the advisory fee

Tax planning that happens all year, not just in April

Your advisor holds both the CFP® certification and the federal Enrolled Agent license — so planning, strategy, and filing finally live under one roof.

Book a free intro call → See the fee schedule

Tax preparation looks backward. Tax planning looks forward.

By the time a return is filed, nearly every opportunity in it has expired. The Roth conversion window closed December 31. The loss you could have harvested recovered. The charitable gift went in the wrong year, from the wrong account.

Planning happens before the deadline, and it happens where your investments are managed. Most advisors can't touch your return; most preparers never see your portfolio. Here, one person sees both — so every strategy actually shows up on the return.

What You Get
Strategy built into every decision
No. 1
Bracket management
Every year has a bracket worth filling and a threshold worth avoiding. We plan income, deductions, and conversions to use the low years and dodge the cliffs — IRMAA, NIIT, and capital gains rate breakpoints.
No. 2
Roth conversion strategy
Multi-year conversion plans sized to your bracket, not a rule of thumb — coordinated with Medicare premiums, Social Security taxation, and your estate intentions.
No. 3
Gains and loss harvesting
Losses harvested in down markets; gains realized deliberately in low-income years, sometimes at 0%. Timing is everything, and it's managed inside your portfolio, not suggested from outside it.
No. 4
Charitable giving optimization
Donating appreciated shares instead of cash, bunching gifts with donor-advised funds, and QCDs from IRAs after 70½ — the same generosity, meaningfully less tax.
No. 5
Equity comp & business income
RSU vesting, ISO exercises and AMT, ESPP timing, and self-employment strategy — estimated payments, entity questions, and retirement plans that cut the bill.
No. 6
Return preparation & IRS representation
When filing season comes, the person who built the strategy prepares the return — quoted separately as a flat fee. And as an EA, Aaron can represent you before the IRS if a letter ever arrives.

One fee covers the whole relationship

Tax planning is one of five services included in the advisory fee. The others come with it — not as add-ons.

No. 01
Investment Management
Tax-aware portfolios where the strategy actually gets executed.
No. 02
Retirement Planning
Social Security timing, withdrawal order, and income that lasts.
No. 04
Estate & Legacy
Beneficiaries, titling, and coordination with your attorney.
No. 05
Inheritance
Inherited IRA rules, step-up basis, and a calm plan for windfalls.

Blended advisory fee from 1.50% to 0.75%, no account minimum. See the full fee schedule →

Common Questions
Fair questions, straight answers
What do the CFP® and EA credentials actually mean?
The CFP® certification is the recognized standard for financial planning — covering investments, retirement, insurance, and estate strategy, with a fiduciary obligation attached. An Enrolled Agent is licensed directly by the U.S. Treasury specifically in taxation, with unlimited rights to represent taxpayers before the IRS — the same representation rights as a CPA. Very few advisors hold both. Here, the planner, the tax strategist, and the person who files your return are the same person.
Is tax planning really included in the advisory fee?
Yes. Year-round tax strategy — bracket management, conversion planning, harvesting, charitable structuring — is part of the advisory relationship, not a separate bill. Tax return preparation is the one exception: it's quoted separately as a flat fee.
Can you just do my taxes without managing my investments?
Yes — tax preparation is available on its own for a flat fee, and hourly planning engagements can tackle a single question like a conversion analysis. Many clients start there and expand later.
What does Arizona's flat tax mean for me?
Arizona's 2.5% flat income tax — and its exemption of Social Security benefits — makes strategies like Roth conversions comparatively cheaper than in high-tax states, and changes the math for new arrivals from California and elsewhere. Federal thresholds still dominate the planning, but the state layer is real money.
What happens if I get a letter from the IRS?
You forward it, and we handle it. As an Enrolled Agent, Aaron is federally authorized to represent you before the IRS — responding to notices, handling correspondence, and standing between you and the agency.
Next Step

Find the money your last return left on the table

Bring last year's return to a free 30-minute call. Worst case, you learn it was done right.

Book a free intro call →

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Golden Acre Wealth Management LLC is an investment adviser registered with the Arizona Corporation Commission (CRD #337930). Registration does not imply a certain level of skill or training. All fees are negotiable and are described fully in the firm's Form ADV Part 2A, available upon request or at adviserinfo.sec.gov. Tax outcomes depend on individual circumstances, and tax law is subject to change. This page is for informational purposes only and does not constitute investment, tax, or legal advice. Past performance is not indicative of future results. CFP® and CERTIFIED FINANCIAL PLANNER® are certification marks owned by the Certified Financial Planner Board of Standards, Inc., awarded to individuals who successfully complete CFP Board's initial and ongoing certification requirements.