Our Services

Tax Planning for Families, Corporate Executives and Business Owners

Coordinated tax strategy for corporate executives, business owners, and families who want their CPA, their portfolio, and their financial plan working from the same numbers.

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Fee-only fiduciary since 2013
SEC-registered investment advisor
Serving 150+ clients nationwide

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Check the background of this firm on FINRA’s BrokerCheck.

Your CPA Files Your Taxes.
Nobody Is Watching What You'll Owe Next Year.

An accountant's job is to make sure last year's return is accurate and on time. That's compliance work, and it looks backward by design. A stock sale, a bracket change, an IRA distribution timed wrong, a state's own tax rules. Any one can move your tax bill by real money, and none of it shows up until the numbers are already final.

Each State treats retirement withdrawals, capital gains, and estates differently. A strategy that ignores those differences can leave money on the table.

Add a business, deferred compensation, or a rollover to the mix. The moving pieces now outpace what a once-a-year filing conversation with your CPA was ever designed to catch.

What It Looks Like When Done Right

When structured correctly, your portfolio has the potential to annually save thousands of dollars in taxes:

Your portfolio is structured to reduce what you owe before you make a move.

Your CPA and your financial advisor work from the same numbers, so nothing falls into the gap between who handles what.

You know how your age, tax bracket, and account mix affect your IRA and RMD exposure, years before it matters.

Your estate is structured with the tax rules of the states where it actually matters in mind.

Tax outcomes depend on your specific accounts, income, and timing. This page describes our process. It isn't a projection of your results.

How Tax Planning Works at F5 Financial

F5 Financial takes a systematic approach to estate and legacy planning to ensure everything is in place long before you’re gone.

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Asset Review & Goal Planning

We review your current assets and financial goals and determine where you have the biggest potential to relieve your tax burden.

Tax Strategy

We develop the best strategy that ensures you’re minimizing tax liabilities on your retirement accounts, education savings, investment portfolio, estate planning, and other assets. We work with your accountant to make sure you stay on top of paperwork and filings.

Financial Projections & Quarterly Reports

We produce financial projections for your retirement portfolio and deliver quarterly reports that show how you’re tracking toward your retirement goals.

Quarterly Meetings

In addition to providing quarterly reports, we will meet quarterly to discuss changes to your income, tax code, goals and more that can impact your portfolio’s tax liability, and what moves to make to reduce future burdens.

The Financial Health Cycle™

Tax minimization is one of the components of F5's Financial Health Cycle. We run this process for every client instead of treating tax strategy as a once-a-year exercise.

It starts with a review of your goals and assets. From there, we build a coordinated strategy across your accounts and keep it current through quarterly meetings.

Discover our process

Why Clients Choose F5 for Tax Planning

Fee-only, always

We earn no commissions and no referral fees, so a tax recommendation is never shaped by what it pays us.

A coordinated plan, reviewed year-round

Tax strategy is reviewed quarterly alongside your investments, insurance, and estate plan, on the same calendar as the rest of your finances.

We work with your CPA, not around them

F5 coordinates directly with the accountant who already knows your return, so nothing gets duplicated or missed.

A diversified team behind every advisor

Beyond your lead CFP® professional, a broader planning team backs every review, so continuity doesn't depend on one person's calendar.

Josh Duncan, CFP®

Wealth is having an abundance of what you value.

Josh Duncan, CFP®
Partner & Financial Advisor

What Retirement Planning Costs

Retirement planning is part of F5's comprehensive planning offering, available with or without investment management. It starts with a one-time $3,000 initial planning fee, plus an ongoing annual fee that scales with your investable assets. Both are fully disclosed on our fees page before you engage.

Generally, F5 Financial is ideal for families who have a minimum of $1,000,000 in investable assets.

View our fee schedule

What our clients say

Testimonials
Five Stars

I highly recommend working with Curt and F5 Financial if you need help growing your business and making sure its financials and growth strategy are sound.

Jay Boryscka
Five Stars

I like the structure of the F5 Financial methodology, and I like working with Curt. He's extremely accessible and always willing to answer any question I have. Given how complex the markets and investment vehicles can be, it's reassuring to have a financial advisor like Curt providing guidance.

JonPaul Jonkheer
Five Stars

Even though Josh is someone we trust with our money, he's more than a financial advisor — he's a friend and a partner. When our dog passed away, he called to see how we were doing. We feel safe and financially secure with Josh and the F5 team managing our finances and portfolio.

Marcie Kelly

These reviews were voluntarily provided by our clients. No compensation was provided to clients in exchange for their reviews. We requested ratings from all clients via email. Clients who responded either wrote their own review, or collaborated with a third-party marketing agency that crafted their spoken words into written testimonials. Each client posted their own feedback on Google.

Frequently asked questions

Do you replace my CPA?

No. Your CPA handles filing and compliance. We handle forward-looking strategy and coordinate directly with them so nothing falls through the cracks.

How much could tax planning save me?

It depends on your income, accounts, and timing, so we can’t put a number on it in the abstract. What we can do is build the strategy before you make a move.

Is the first conversation free?

Yes. We start with a brief questionnaire, then a complimentary FHC Snapshot meeting with an advisor, at no cost and no obligation.

Do I need a minimum amount of assets for tax planning?

Tax planning is part of our comprehensive planning relationship, which generally starts around $1,000,000 in investable assets. If you’re not quite there yet but saving aggressively, contact us. Fit matters more than a hard cutoff.

What if my tax situation changes mid-year?

That’s what quarterly meetings are for. We revisit your income, tax code changes, and goals four times a year.

Do you prepare or file my tax return?

No. We coordinate tax strategy and work alongside the CPA who prepares and files your return. We don’t file returns ourselves.

How often will you provide a report of my tax liability and portfolio?

Information on the performance of your investments is accessible on-demand via a tool called Advyzon, which is available through your computer or an app. We also provide quarterly investment performance reports of your portfolio. These reports contain details on what investments were added or altered and the impact of each change.

Financial planning reports and projections are also available on demand through our Personal Wealth Manager tool, powered by eMoney Advisor. It’s accessible from your computer.

Quarterly, we provide a single-page action plan and financial projections that detail completed tasks, tasks in progress, and outcomes.

Got more questions?

Apply for a free Financial Health Cycle Snapshot call with our team to get all your questions answered.

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Let's Look at What You're Actually Paying.

Your CPA can tell you what you owed last year. We build the strategy that changes what you owe next year, coordinated with the rest of your financial plan.

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No cost, no obligation.
Fee-only fiduciary since 2013
SEC-registered investment advisor
Serving 150+ clients nationwide