A Planning Service for Incomes the Tax Code Targets

This is a year-round tax planning engagement for high-income households: we forecast your income quarterly, build a written plan with each strategy quantified in dollars, help you implement before the deadlines, and in most cases file the return so the plan and the reporting match. One team, one system, no handoffs between your "strategist" and your "preparer."

If you're still researching the strategies themselves — what's actually legal, what the levers are, how the math works — start with our high-income tax planning guide. It's the education. This page is the service: what we do, for whom, and how the engagement runs.

Physicians — especially locum tenens and 1099. High income, multiple states, mixed W-2/1099 years, and usually no proactive advice from the current preparer. This is our flagship vertical; the physician-specific version of this service lives at our physician tax planning page.

Tech employees and executives with equity compensation. RSU-heavy W-2s, ISO exercise decisions, ESPP shares, and withholding that never matches the actual bracket. The plan centers on timing, withholding correction, and multi-year sequencing of sales and exercises.

Real estate investors and W-2 earners buying property. Short-term rental strategy, Real Estate Professional Status, cost segregation, and passive loss planning — coordinated with the rest of your income picture. See our real estate investor services for the full treatment.

Business owners and high-income 1099 contractors. Entity structure, reasonable compensation, retirement plan stacking, and quarterly estimates that track reality instead of last year.

1. Discovery (30 minutes, free). We review your situation — income sources, entities, states, prior returns — and identify which strategies are plausibly in play. You leave knowing whether planning is worth it for your numbers, with a flat-fee quote.

2. Analysis and the written plan. We model each applicable strategy against your actual figures: projected dollar impact, implementation cost, deadline, and what's required from you. Prior-year returns get reviewed for errors and missed opportunities while we're in there.

3. Implementation. Strategies get executed, not laminated. We coordinate payroll for entity changes, work with your retirement plan administrator and financial advisor, and set the documentation standards each strategy needs to survive scrutiny.

4. The cadence. Quarterly forecast updates as income and life change, a pre-year-end execution review, and — in most engagements — preparation of the return itself, so every election and strategy is reported exactly as designed.

The difference between this service and a once-a-year preparer isn't effort — it's the question being asked. A preparer asks "what happened?" A planner asks "what should happen next, and what is it worth?"

Here's what the quantifying looks like in practice, using a composite scenario:

The full strategy library — short-term rental treatment, cost segregation, S-Corp optimization, Augusta Rule, and the rest — lives in our strategies hub, and the plan draws on whichever pieces your facts support. Multi-state earners get the residency and sourcing work layered in through our multi-state filing service.

• A written, multi-year tax plan — every recommended strategy with projected dollar impact, cost, deadline, and owner.
• Quarterly forecasts and estimate schedules — withholding and estimated payments that track your actual year, so balances due stop being surprises.
• Equity compensation decision support — exercise, hold, and sell guardrails modeled against your brackets and cash needs.
• Implementation coordination — payroll, retirement plan administrators, and your financial advisor, all working from the same plan.
• Documentation standards per strategy — what to keep and how, so every position on the return is defensible years later.
• Return preparation that matches the plan — in most engagements, the team that designed the strategy also files it.

What you won't get: guaranteed savings figures, one-size-fits-all "loopholes," or strategies we wouldn't defend in an exam. Projections are modeled honestly from your facts, and we tell you when a popular strategy doesn't fit your situation.

• CPA + MBA + licensed real estate broker. Founder Bryan Martin's rare credential combination makes the firm uniquely credible on REPS, STR, and cost segregation strategies most CPAs avoid.
• Genuine multi-state expertise. Locum tenens sourcing, NY/NJ filings, and residency planning are core practice areas, not occasional requests.
• A proactive planning firm, not a once-a-year preparer. Quantified strategy engagements are the flagship service — the entire firm is built around them.
• Established and nationwide. Roughly 1,500 clients across all 50 states, fully remote — not a solo side practice.
• Physician-community trust. White Coat Investor platinum sponsor and guest on WCI Podcast Episode #459.
• Tech-forward. Modern client portal, digital workpapers, and fast turnaround.