One plan for your taxes, now and years down the road.
Taxes are one of the largest expenses you'll face, in your working years and in retirement.
Too often, we see people taking an inefficient approach to their tax situation. It’s common to have a separate investment professional and a separate CPA who don’t coordinate their efforts, which leads to a tax plan that isn’t as effective as it could be.
Do your CPA and advisor coordinate?
A separate investment professional and a separate CPA who never talk to each other rarely add up to one coherent plan.
Is your plan looking past this year?
Tax minimization takes planning years into the future, not just the current tax year. Social Security, pensions, Roth conversions, and pre-Medicare health insurance are all part of that plan.
Is one advisor expected to know it all?
Taxes, estate planning, investment management, and retirement planning each take real specialization. That's a lot to ask of one person.
A team approach to your tax picture, not a once-a-year conversation.
We take a team approach to your financial future. Working with one firm that employs specialists across every major area of financial planning means your tax strategy is coordinated with the rest of your plan, not handled in isolation.
Our advisors develop and monitor tax-sensitive strategies designed to manage your current and future tax picture, supported by in-house tax planning and CFP® professionals.
Working with us means a coordinated approach: managing where you stand today while working toward your future goals, not just filing a return once a year.
Hear from people who've been through the process.
Reviews Disclosure
The Google reviews above may be from current or former clients, or individuals who are not clients of Bernicke Wealth Management (“BWM”). Reviews have not been verified or edited by BWM and do not reflect the views of the firm or its advisors. Reviewers have not been compensated or received any material incentives for providing a review. BWM has maintained an “Excellent” 5-star rating on Google since October 16, 2021. Ratings are subject to change and are not indicative of future investment performance or success. No material conflicts of interest have been identified within these reviews.
Whether you're managing income in retirement, growing your wealth, or running a business, your tax strategy needs to keep up.
We work with individuals over 50 with $500,000 or more in investable assets, and tax strategy is one of the coordinated planning areas we cover.
Our Private Client Group brings a dedicated team of advisors and specialists across four coordinated planning areas, including tax minimization.
Business ownership brings its own tax questions, separate from personal planning. We offer solutions built around your goals as an owner.
Questions people ask us about tax minimization.
We coordinate with your CPA rather than replace them. Our team develops and monitors your tax strategy year-round, then works with your CPA at filing time so nothing falls through the cracks between the two of you.
Ongoing. Tax minimization only works if it's planned for throughout the year, not put together at filing time. We review your tax situation as part of your regular plan, not as a separate, once-a-year conversation.
It depends on your situation, but common areas include Social Security and pension timing, traditional and Roth IRA strategy, and health insurance planning before Medicare eligibility at 65. We look at how these interact with each other, not just one at a time.
Yes. Roth conversion analysis is one of the core parts of our tax minimization work, looking at whether and when converting makes sense based on your income, tax bracket, and timeline.
Tax minimization can begin the moment you become a client, there's no separate waiting period. Our general client profile is individuals over 50 with $500,000 or more in investable assets, generally within five years of retirement or already retired, and tax planning is part of your coordinated plan from day one.
Award Disclosure
The Forbes Best-In-State Wealth Advisor ranking, developed by SHOOK Research, is based on in-person and telephone due diligence meetings and a ranking algorithm that includes: client retention, industry experience, review of compliance records, firm nominations; and quantitative criteria, including: assets under management and revenue generated for their firms. Portfolio performance is not a criterion due to varying client objectives and lack of audited data. Neither Forbes nor SHOOK Research receives a fee in exchange for rankings. Awarded April 7, 2026 based on data as of June 30, 2025.
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