Personal Tax Planning Services
Strategic Planning All Year Long
Tax planning shouldn’t be reserved for the final quarter or the filing deadline. At Capstone Accounting & Tax, we help individuals and families take a more proactive, year-round approach. Whether you’re managing investment income, navigating a life change, or looking to reduce your tax bill, our individual tax planning services provide the structured, strategic guidance you deserve.
What’s Personal Tax Planning?
Tax planning for individuals is the process of looking ahead, anticipating future tax liabilities, and taking proactive steps to minimize your future tax burden. Unlike tax preparation, which focuses on filing returns for income that you've already earned, tax planning happens in advance. It's how you maximize deductions, stay on track to meet financial goals, and avoid costly surprises.
Common tax strategies include:
- Planning for estimated tax payments
- Evaluating retirement distributions
- Structuring charitable giving and gifts to family
- Timing income and deductions for optimal results
- Strategically managing capital gains and investment income
Our Tax Planning Services for Individuals
Income & Deduction Timing
We assess the sources and timing of income and major expenses throughout the year to help minimize exposure and maximize tax benefits.
Retirement Distribution Planning
Our retirement tax planning strategies help you plan for Required Minimum Distributions (RMDs), Roth conversions, or the best way to draw from various accounts to reduce your taxable income.
Investment Income Strategy
Cashing out stocks? Managing multiple streams of passive income? Through our investment tax planning services, you can structure and time these gains to reduce your capital gains tax and increase your after-tax returns.
Gifting & Estate Tax Strategy
From annual exclusion gifts to larger transfers of wealth, we can guide you through several estate and gift tax planning strategies that align with both your legacy goals and all applicable laws.
Life Event Planning
Getting married? Selling a home? Starting a business? Major life events have tax implications–implications we can evaluate to help you better time major decisions and transitions.
Estimated Tax Payments
Avoid cash flow surprises and underpayment penalties by teaming up with Capstone. We’ll calculate and track your quarterly payments so you’re never caught off guard.
Charitable Giving Optimization
Let our tax professionals guide you on both the method and timing of your charitable donations, ensuring your generosity is also tax-smart.
Review of Prior-Year Returns
If you've missed opportunities in past filings, we can revisit your returns and recalibrate your strategy for stronger future outcomes.
Why Capstone for Personal Tax Planning?
- Trusted advisors: With centuries of collective experience and a disciplined advisory approach, we offer clarity and insights you can rely on.
- High-touch, high-trust: At Capstone Accounting & Tax, you’ll never feel like just another file. We take the time to get to know you and understand your financial picture, ensuring our services complement your specific needs.
- Collaborative and responsive: While our services are structured, they’re also adaptive. As your needs and circumstances change, we’re available to refine your plan for continued alignment.
Individuals
Let’s Connect
Bring coordination, clarity, and confidence to your financial life.
What to Expect When Working With Us
Get In Touch
Starting by completing a new client form. The information you provide will help us assess your situation and connect you with the right services.
Planning Session
Once we’ve received your information, we’ll review documents, prior returns, and your goals to better identify where our tax planning services are most valuable.
Tailored Strategy
From investment moves to income timing, we develop a strategy that’s both practical and designed to reduce your liability.
Ongoing Guidance
We can revisit and revise your tax strategy as needed.
The Industries We Most Commonly Serve
Tax planning isn’t one-size-fits-all. Different industries face different challenges, deductions, and regulations. That’s why our business tax planning services are tailored, helping you take advantage of all that’s available in your specific industry.
While we offer assistance to a wide range of businesses, we most often have the pleasure of those working in the following sectors:
Real Estate & Construction
Use smarter structuring and timing to create substantial margins.
Agriculture & Farming
Plan around shifting markets, subsidies, and seasonality.
Healthcare
Balance patient care with smart financial care.
Professional Services
Turn revenue into long-term financial stability.
Nonprofits
Stay mission-focused and fully compliant.
International & Government
Turn the complex into easily understandable.
Frequently Asked Tax Planning Questions
What documents should I have ready for a tax planning session?
Can tax planning make a difference?
How often should I revisit my personal tax plan?
The Impact of Having the Right Team
We could tell you how trusted, responsive, and strategic we are, but we’d rather let our clients speak for themselves.
Connect With Your Local Capstone Office
Our small business tax and accounting firm combines deep market expertise with a hometown feel, wherever you are. Visit us at one of our twelve conveniently located Capstone locations or ask about the virtual services we offer.
Oregon
Washington
Idaho
Colorado
Helpful Resources
Careers at Capstone
Looking for meaningful work opportunities in collaborative environments? Join a firm where people come first and where potential is valued. Browse our available positions today.
Partner With Us
We’re actively growing and always looking for like-minded firms to welcome into the Capstone Accounting & Tax family. If you’re looking for a succession solution that protects your team and legacy, let’s connect.
A Secure Process Built Around You
Working with our credentialed experts begins with a simple inquiry. After completing a short online form, we typically send a secure request to upload your prior two years of tax returns and relevant documentation. This information gives our professionals the context needed for productive planning sessions or accurate return preparation. From there, we provide a detailed scope of work and clearly outline next steps.
From your first upload to your final deliverable, we make every step of the process efficient, structured, and tailored to your needs.
The Capstone Ledger
We write the way we work: helpful, clear and grounded in real-life expertise. Check out our blog for financial insights, business advice, and tax tips that are jargon-free.
Day-to-day support.
Big-picture thinking.
Whether running a business, looking for integrated tax and wealth planning, or considering what’s next, Capstone Accounting & Tax is here to help you move forward with confidence. Let’s start a conversation that leads to real results.
