Most people get financial advice in pieces: a CPA does the taxes, a financial advisor manages the investments, and decisions get made separately.
Nobody’s optimizing your whole picture, because nobody can see it. Over a lifetime, that can cost tens of thousands of dollars in extra taxes, sometimes hundreds of thousands. As your CPA and financial advisor in Crystal Lake, IL, we coordinate your tax, investment, and retirement decisions together. The goal is a lower lifetime tax bill. Coordination is how we get there.
The decisions that drive that bill: when to convert to Roth, which account to draw from first, when to start Social Security, how to pay yourself from your business, when to sell. Every one of them falls in the gap between your CPA and your financial advisor. Each is doing their job. Neither is responsible for the total.
Between retirement and your first required withdrawal, there are often low-income years ideal for Roth conversions. Your CPA sees them the following April, after they're closed. Your advisor never sees the tax return. The window closes, unused. We manage decisions like that for retirees and pre-retirees who have built substantial savings and want clarity around:
When to start Social Security
Required minimum distributions (the withdrawals the IRS requires from retirement accounts)
Which accounts to withdraw from, and in what order
Roth conversions (paying some tax now so later withdrawals are tax-free)
Investment management that works with your tax plan
Which account you draw from first changes your taxes, your Medicare premiums, and what your heirs keep. Most retirees default to whatever is easiest and pay for it every year after. We make your retirement income tax-efficient and predictable, with taxes and investments managed by the same people.
How you pay yourself, what you put into a retirement plan, and when you sell all land on the same tax return. Your CPA sees it after the year closes. Your advisor never sees it. We plan those decisions ahead, so business and personal finances move as one plan, not two:
Retirement planning for business owners
How to pay yourself: salary, distributions, and timing
Retirement plan contributions
Investment management
Business tax strategy
The year you sell or wind down is usually the highest-income year of your life. Planning for it two or three years ahead versus in March of that year produces two very different tax bills. We coordinate the sale, your taxes, and your retirement plan so the bill is planned, not discovered.
Coordination is the fix: one firm that sees the tax return and the portfolio, and is accountable for the total.
Potential savings depend on your individual circumstances and are not guaranteed.
Our firm combines the responsibilities of a financial advisor and a CPA under one roof. You get one coordinated relationship, built to find savings that are easy to miss when two professionals work separately.
Prepares your tax return after the year is already over.
Wealth management and tax planning coordinated under one relationship, all year.
Manages your investments without seeing your tax situation.
Start where it makes sense for you. You can begin with your taxes or a one-time review, and move to a full relationship whenever you want everything handled together.
For individuals and business owners who want their tax returns done right and a CPA to plan ahead with, year-round.
Flat fee, quoted up front
For people heading into retirement or already there. We look at your income, savings, and accounts together to estimate your lifetime tax bill and find ways it may be lowered.
Flat fee · credited toward wealth management if you continue
One relationship for your investments, retirement income, and taxes, managed together year-round. Your personal tax return is included.
Fee based on assets we manage · no commissions
Not sure which fits? That’s what the free 30-minute call is for.
Financial & Tax Advisor
Most firms hand you to a CPA at tax time and a financial advisor the rest of the year. Anton holds the credentials and the responsibility for both: investments, taxes, and the planning that ties them together.
“Every investment decision has tax consequences. My job is to see both sides before we make a move.”
Anton Prokopenko, Financial & Tax Advisor
A 30-minute call to understand where you are: your tax situation, your investments, your retirement timeline, and what has (or hasn’t) worked with past advisors. No prep needed. Just bring your questions.
We go through your past tax returns, statements, and account documents side by side. This is where your taxes, investments, and retirement plan start working together.
You get a written plan that ties your tax decisions to your financial decisions: which accounts to draw from, whether a Roth conversion makes sense, how much to contribute, and when to sell. All in one place.
We don’t disappear between April and December. Quarterly check-ins, keeping your investment mix on target, tax projections, and moves made before deadlines, not after. Most clients are fully onboarded within two weeks.
Discover what coordinated planning may save you. A free 30-minute conversation, no obligation.
