Tax Planning

As my father says, “it is not how much you make, but how much you keep!” With careful planning and foresight, we can significantly improve “how much you keep.” Just as we invest time and effort into living a fulfilling life, a well-designed tax strategy can offer substantial benefits—but only when approached professionally and proactively, ideally during the early stages of wealth accumulation.

At Kruse Asset Management's Virtual Family Office (VFO), we specialize in not only crafting an investment strategy that minimizes your long-term tax burden but also providing support for potential financial windfalls in the present or future. We offer a range of pre- and post-event tax mitigation strategies to help you navigate through various scenarios.


Consider this fact: If we managed to help you reduce your marginal tax rate by 1%, not only would we more than pay for ourselves, but you could end up with 30% more assets when you retire.

Delayed tax planning is tantamount to leaving potentially savable dollars, of your hard-earned money on the tax table for others to benefit from. The longer you defer tax planning, the more money you’ll end up owing and paying in taxes. That money could potentially have been saved, through a reduced tax bill, invested, and grown, through the magic of compounding, over many years.


While most brokers at large banks are forbidden by their compliance department to work with your CPA, as fiduciary who must provide you with the best solution, we don’t see how that can be done without working directly with your CPA and other experts. KAM uses a proactive team-based approach to help our clients through long-term Tax Planning strategies – and that’s exactly how we’ll help you. Tax planning does not commence on the date of filing your tax returns. Prudent tax planning often starts long before – sometimes even before you make investment decisions that trigger a tax liability. We can help devise tax planning strategies that minimize taxes, maximize tax refunds and guide you to optimize your tax-friendly investment returns because it is not how much you make, but how much you keep!

Here’s what we can do for you through KAM’s Virtual Family Office: 

  • While the best advice you can get is: Save. Save. Save…as much as you can. The next best advice is: Be careful how you invest those savings. Our Tax Planning advice will include considerations on whether you should invest with pre-tax dollars, or post-tax income. How you invest, and in what types of vehicles, can make a significant difference to the taxes you pay. Our Tax specialists can help you navigate through the various advantages and disadvantages of choosing one strategy over another.

  • When planning for tax impact on your income, we’ll also plan for the types of income that you might receive: Dividends, Interest, Annuity payments, Capital Gains, Inheritances, RMD’s, Employer or Government benefits. While all of these are potential income streams in retirement and before, each has different tax planning implications.  

  • Our tax specialists will help you foresee impacts to your future net wealth. If left unplanned, your net wealth could be diminished due to likely claw-backs to benefits, and the possibility of erosion to your estate through substantial taxes.

  • We’ll help you mitigate possible tax impacts when it comes to your estate. A good tax plan will ensure that future generations do not bear the burden of taxes due to the legacy you leave them. But to ensure a tax-advantage inheritance to your beneficiaries, you need to put appropriate plans in place NOW – and that’s where our Tax Planning specialists can help.


Popular Strategies Used by KAM Clients