Tax + Investment Optimization

It's not what you earn.
It's what you keep.

Taxio manages your portfolio and your tax strategy as one engagement — so every investment decision is made with the after-tax outcome in mind.

CPA-led Registered Investment Adviser Fiduciary standard
Schedule A

Tax strategy, year-round

Most tax work happens in April, after the outcomes are locked in. Ours happens all year, while the decisions can still be shaped.

Planning

Proactive tax planning

Multi-year projections, bracket management, Roth conversion timing, charitable strategy, and equity-comp planning — built around your actual income picture.

Preparation

Preparation & filing

Individual, trust, and business returns prepared by the same team that built the strategy. Nothing gets lost in the handoff, because there is no handoff.

Structure

Entity & retirement structuring

S-corp elections, retirement plan design, and owner compensation strategy for business owners and independent professionals.

Schedule B

Investment management, tax-aware by design

As a registered investment adviser, we manage portfolios under a fiduciary standard — and because we also see your full tax picture, the portfolio works harder after taxes.

Portfolios

Discretionary management

Low-cost, evidence-based portfolios matched to your goals and risk capacity, rebalanced with an eye on the tax consequences of every trade.

Harvesting

Continuous loss harvesting

Losses are harvested when markets present them — not just in December — with wash-sale rules and lot-level character tracked throughout the year.

Location

Asset location

The right holdings in the right accounts: tax-inefficient assets sheltered, tax-efficient assets in taxable accounts, coordinated across your entire balance sheet.

Schedule C

Why one firm beats two

The typical setup — an accountant in one office, an advisor in another — means the two people shaping your finances talk maybe once a year. Usually in April. Usually too late.

The typical setupTaxio
CoordinationCPA and advisor rarely speak; you carry information between them.One team, one file, one strategy — nothing to translate.
TimingTax review happens after year-end, when options are gone.Decisions are made in-year, while brackets and windows are still open.
TradingTrades happen without visibility into your tax situation.Every trade is evaluated against your actual return before it happens.
AccountabilityEach professional optimizes their own silo.One fiduciary, accountable for the combined after-tax result.
Schedule D

How an engagement works

A clear process, transparent fees, and no obligation until you've seen exactly what we'd do differently.

STEP 01

Diagnostic review

We review your last two returns and current portfolio, and show you — in dollars — where taxes are quietly draining your results.

STEP 02

Integrated plan

You receive one written plan covering portfolio, tax strategy, and structure, with the projected after-tax impact of each recommendation.

STEP 03

Ongoing management

We implement, monitor, harvest, file, and adjust — year-round, with quarterly reviews and a single point of contact.

The bottom line

Start with the diagnostic.

A 30-minute conversation and a review of your last two returns. If we can't find meaningful after-tax value, we'll tell you that too.

Book a consultation