If you’re earning $300,000 or more annually, taxes are likely one of your biggest expenses. Smart, forward-looking tax planning can help you reduce your tax burden and redirect those savings toward your goals.

Why Tax Planning Matters at This Level
At higher income levels, your tax picture becomes more complex and the stakes get higher. Without proactive planning, you may:

• Miss key deductions or tax-efficient strategies
• Trigger unnecessary AMT or NIIT (Net Investment Income Tax)
• Pay more than necessary on capital gains or equity comp
• Overlook opportunities through your business or estate

At Forman Investment Services, we integrate advanced tax planning strategies into your broader financial plan — giving you a clear, coordinated approach to your wealth.

What We Help You Plan For
We specialize in helping high-income professionals and business owners navigate:

• Equity compensation (ISOs, RSUs, NSOs, ESPPs)
• Business entity tax strategies (S-Corp, LLC, partnership)
• Retirement savings optimization (401(k), SEP, Solo 401(k), cash balance)
• Timing of income, deductions, and capital gains
• Charitable planning and donor-advised funds
• AMT awareness and mitigation
• Tax-loss harvesting and capital gain planning
• Multi-year tax strategy coordination

We collaborate closely with your CPA or can help you assemble the right team.

A Personalized, Year-Round Approach
Tax planning shouldn’t just happen in April. We help you:

• Plan proactively: before income is received, stock is sold, or bonuses are paid
• Model scenarios: so you can weigh the tax and cash-flow impact of big decisions
• Stay aligned: with your financial, business, and estate goals

Who We Serve
We work best with:

• Professionals earning $300K+ annually
• Business owners looking to optimize their business structure and personal income
• Individuals with complex compensation, including stock options or K-1s
• Families seeking a multi-year strategy for wealth, taxes, and legacy

Our Promise
No cookie-cutter tax planning advice. Just thoughtful, strategic planning tailored to your life and income, where your complex finances meet our calm clarity.

Review Your Tax Strategy
Let’s have a conversation to review your tax strategy. We’ll help you explore opportunities to save on taxes and align your financial plan with what matters most.

This content was created with the assistance of artificial intelligence (AI). While efforts have been made to ensure the quality and reliability of the content, it is important to note that AI-generated content may not always reflect the most current developments or nuanced human perspectives.

Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Past performance does not guarantee future results. Changes in tax laws or regulations may occur at any time and could substantially impact your situation. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors we are not qualified to render advice on tax or legal matters. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.