Tax-Aware Wealth Management, Built Around How You Actually Live
Whether it's a business sale, a concentrated position, or simply wanting your CPA and your advisor working from the same playbook — we build an investment strategy that starts with the tax consequences, not after them.
Independent · Fiduciary · Transparent Pricing · Direct CPA Collaboration
Who We Help
We work with people who've realized that good investing and good tax planning are the same conversation — not two separate ones. That often means business owners, people approaching a liquidity event, or anyone tired of an advisor and a CPA who've never spoken.
When those conversations happen together instead of in silos, real planning becomes possible. Decisions get made proactively — before a tax bill arrives, before a sale closes, before a windfall shows up with no plan attached — instead of reactively, after the fact, when the options have already narrowed.
That shift changes the experience of managing wealth entirely. Less chaos. Less scrambling every April. Less wondering whether your advisor and your CPA are even looking at the same picture. In its place: clarity — a plan you understand, decisions made with intention, and the confidence that comes from knowing your financial life is being run as one coordinated strategy, not two disconnected ones.
How We Help
Every relationship starts with a conversation about what's actually behind your investment goals — not just the numbers, but the emotions and priorities driving them. Every dollar has a job.
For clients seeking defined-outcome exposure, we also make use of structured notes — a tool for targeting specific risk/return profiles rather than relying solely on traditional stock-and-bond allocation.
Key ongoing topics include risk tolerance and capacity, time horizon, and diversification across account types — tax-deferred, Roth, taxable, and health savings accounts — each with its own tax treatment and role in the plan. Market volatility is inevitable; our strategies aim to dampen risk while safeguarding capital.
In the end, our focus is net income. Taxes and fees matter, which is why we identify tax planning opportunities and keep pricing transparent and appropriate.
Investment Management
Every investment decision has a tax consequence — the question is whether you planned for it or discovered it in April. We build tax awareness into the plan from day one, not as an afterthought layered on top.
That means coordinating directly with your CPA rather than working around them. Built on 10+ years working alongside CPAs, we know the value of the two sides operating in tandem — the same client, the same numbers, one strategy instead of two disconnected ones.
Key ongoing topics include tax-loss harvesting, Roth conversion opportunities, income timing, and account location — deciding which assets belong in which account type for the best after-tax outcome. Because in the end, it's not what you earn that matters. It's what you keep.
Strategic Tax Planning
Retirement isn't a single decision — it's an ongoing series of them: when to draw, from which accounts, and in what order. We build a withdrawal strategy designed to stretch further by minimizing the tax drag on the income you actually rely on.
Years of hands-on cash flow management experience with business owners inform this work directly. We've spent careers helping owners understand exactly what's coming in, what's going out, and what's left — and we apply that same discipline to your retirement income.
Key ongoing topics include Social Security timing, sequence-of-returns risk, and required minimum distributions. The goal is a plan that holds up not just in good markets, but in the ones that test it.
Retirement & Income Planning
Your investments and your estate plan should be working from the same playbook. We coordinate the two so that what you've built transfers the way you intend — to family, or to the causes you care about.
For clients who want giving to be part of the plan rather than an afterthought, we incorporate a donor-advised fund (DAF) strategy — a way to make charitable intent tax-efficient and intentional, not just an annual check written at year-end.
Key ongoing topics include beneficiary designations, trust coordination with your attorney, and gifting strategy. The goal isn't just a plan for after you're gone — it's clarity now about where things are headed.
Estate & Legacy Planning
Every plan has exposure somewhere — concentration in a single stock, a liquidity gap, market volatility hitting at the wrong time. Our job is to find where that exposure lives and address it deliberately, not hope it doesn't surface.
For clients seeking low-cost liquidity without triggering a taxable sale, we utilize box spreads — a strategy for accessing cash against a portfolio without disrupting the underlying investment or creating an unplanned tax event.
Key ongoing topics include concentration risk, insurance coverage gaps, and liability protection. Because protecting what you've built matters as much as growing it.
Risk Management & Protection
Why Harmony Wealth
Before founding Harmony Wealth, I spent years inside the wirehouse world at firms like Merrill Lynch and Morgan Stanley — an environment built around sales quotas and product goals, not necessarily around what was actually best for the person across the table.
That's what led me to step away from wealth management altogether and into accounting, where the relationship is different by design. Over the next decade, I helped build a hospitality-focused accounting firm into a single-source solution for business owners — bookkeeping, managerial accounting, CFO-level strategy, and tax, all under one roof. What I learned there wasn't just technical; it was how much better the advice gets when someone actually understands the full financial picture, not just one slice of it.
Harmony Wealth is what happens when those two experiences come together. I stepped back into wealth management because I saw the same gap I'd spent ten years solving for business owners — the disconnect between the people managing your investments and the people managing your taxes — and knew it didn't have to exist for individual investors either. The transactions were never the point. They're just the vehicle that gets you where you're actually trying to go.
Let's Put This to Work for You
If your investing and tax planning have been happening in two separate conversations, it doesn't have to stay that way.