Preserve More of What You've Built.
For high-net-worth families, the difference between average and exceptional wealth management often comes down to one thing: how much of your return you actually keep. Our proactive tax planning and estate strategy are designed to minimize your lifetime tax burden and transfer wealth on your terms - not the IRS's.
Tax Strategy That Goes Beyond April 15.
Most advisors think about taxes once a year. I think about them every time I make a decision - because for families with significant wealth, proactive tax strategy is one of the highest-value services we provide. When forward returns may moderate, the gap between pre-tax and after-tax performance becomes the most reliable lever for compounding wealth.
Tax planning that compounds:
- Roth conversion laddering to reduce future tax liability and required minimum distributions
- Tax-loss harvesting across all taxable accounts, monitored continuously by Farther's platform
- Charitable giving strategies - donor-advised funds (DAFs), qualified charitable distributions (QCDs), and charitable remainder trusts (CRTs)
- Capital gains timing and asset location optimization across taxable, tax-deferred, and Roth accounts
- State tax planning for clients in Nevada (zero income tax) and Arizona (flat 2.5% state income tax)
Estate planning that protects your legacy:
- Trust strategies including SLATs, GRATs, and ILITs - designed around your specific family dynamics
- Dynasty trust structures for multi-generational wealth transfer, especially in Nevada
- Beneficiary designation audit across all accounts, policies, and retirement plans
- Wealth transfer strategies leveraging current estate tax exemptions before potential sunset
- Business succession integration with your personal estate plan
- Legacy conversations - helping families talk about money with clarity and purpose
See your potential 5-year savings
Nevada and Arizona: Built for Wealth Preservation.
Your state of residence is one of the most powerful variables in your tax plan. For families considering or already living in Nevada or Arizona, the structural advantages are significant - and we help you maximize every one of them.
Nevada
- Zero state income tax - on wages, investments, and retirement distributions
- No estate or inheritance tax at the state level
- Premier trust jurisdiction - dynasty trusts with unlimited duration, asset protection trusts, and no state tax on trust income
- Roth conversions without state tax drag, accelerating tax-free compounding
Arizona
- Flat 2.5% state income tax - one of the lowest in the nation
- No state estate or inheritance tax at the state level
- Community property state providing a full step-up in cost basis for surviving spouses
- Favorable environment for retirees relocating from higher-tax states like California
Tax & Estate Planning FAQs.
How does tax-loss harvesting work, and how much can it save?
Tax-loss harvesting involves systematically selling securities at a loss to offset capital gains elsewhere in your portfolio. The realized losses can offset gains dollar-for-dollar and up to $3,000 of ordinary income annually, with unused losses carried forward indefinitely. For families in the highest tax brackets, active harvesting can improve after-tax returns by 1-2% per year over time. Farther's platform monitors portfolios continuously for these opportunities.
What is Roth conversion laddering and is it right for me?
Roth conversion laddering is a multi-year strategy of converting traditional IRA assets to Roth IRA accounts in measured amounts, ideally filling lower tax brackets each year. This is particularly powerful for clients in Nevada and Arizona, where there is no or low state income tax on the conversion. The goal is to reduce future required minimum distributions and create a tax-free income source in retirement. Whether it's right for you depends on your current tax bracket, time horizon, and overall estate plan.
How do Nevada and Arizona tax advantages benefit my wealth plan?
Nevada has zero state income tax, no estate or inheritance tax, and is one of the premier trust jurisdictions in the country - offering dynasty trusts, asset protection trusts, and no state tax on trust income. Arizona has a flat 2.5% income tax rate and is a community property state, providing a full step-up in cost basis for surviving spouses. Both states offer meaningful planning advantages for high-net-worth families relocating from higher-tax states like California.
Do you coordinate with my CPA and estate attorney?
Absolutely - we encourage it. The best tax and estate outcomes happen when your financial advisor, CPA, and estate attorney are working from the same playbook. We proactively coordinate with your existing professionals and, through Farther, clients also have access to dedicated Trust and Estate Planning specialists who work alongside your advisor to ensure every decision is aligned across tax, legal, and investment strategy.
Explore Related Capabilities.
Let's Build Your Tax & Estate Strategy.
Every dollar saved in taxes is a dollar that compounds for your family. Schedule a private conversation to explore how proactive planning can transform your after-tax wealth.
Tax outcomes depend on individual circumstances and are subject to changes in tax law. Advisory services are provided by Farther Finance Advisors LLC, an SEC-registered investment adviser. Farther Finance Advisors LLC does not provide tax or legal advice; please consult your tax and legal professionals for guidance on these matters. Past performance is not indicative of future results. The information presented on this page is for informational purposes only and does not constitute a recommendation or solicitation. Disclosures | Form ADV Part 2