The Four Seasons of Planning
Spring Season: Tax Planning & Insurance Optimization
Why This Season Matters
With tax season freshly behind us, Spring is a good time to review strategies to improve your tax situation for the future.
We then turn our attention to the defense in your financial plan — the foundation of your financial house — insurance optimization.
I put this together because these two areas — taxes and insurance — are where small decisions today prevent big regrets decades from now.
What You'll Walk Away With
- ✓A clear view of the tax strategies that can reduce your lifetime tax bill — not just this year's.
- ✓Confidence that your insurance portfolio is properly & adequately protecting what matters most.
- ✓A clear list of specific actions — which policies to update and which tax moves to make this year.
🧾 Tax Planning Topics
- Review your prior year's return through Holistiplan
- Review your Schwab tax docs
- Discuss appropriate tax shelters for you
- Tax loss harvesting opportunities
- Asset location across your accounts
- Capital gains budgeting
- Roth conversion strategy
- Qualified Charitable Distributions (QCDs)
- Equity compensation strategies
- Business tax strategies
🛡️ Insurance Topics
- Review your life insurance coverage
- Review your disability insurance
- Review your long-term care planning
- Review your health insurance and benefits
- Review your property & casualty (P&C) coverage
- Review beneficiary designations across all policies
- Explore business insurance strategies
- Identify gaps, redundancies, and whether additional coverage is warranted
The Big Idea This Season
There are two quiet ways wealth slips away. The first is the taxes you didn't plan for. The second — and just as real — is the insurance coverage you never updated. Neither feels urgent until it is. My goal this season is to help you tighten both — so the wealth you've built stays with you and the people you love.
Questions to Think About Before We Meet
When was the last time you actually reviewed your tax return — not just signed and filed it?
When was the last time anyone reviewed your life, disability, or long-term care coverage with you?
When you think about your taxes, are you focused on this year's bill — or the total you'll pay over your lifetime?
If something happened to you tomorrow, would your family's coverage match their actual needs?
If your income changed significantly next year — up or down — do you have a plan for what that means tax-wise?
Are you paying for insurance protection you no longer need — or missing protection you never had?
How to Prepare
-
Prior Year's Tax ReturnsYour most recent federal & state return (the 1040 with all schedules).
-
Life, Disability & Long-Term Care StatementsMost recent statements for each policy showing current values, premiums, and benefits.
-
In-Force Illustrations (Life Insurance & Hybrid LTC)Request from your carrier for any permanent life insurance or hybrid/asset-based long-term care policies — these show how the policy is projected to perform going forward.
-
P&C Declarations PagesHome, auto, and umbrella — the dec page is typically the first page of each policy packet.
-
Summary of Benefits and Coverage (Health)A standardized document your health plan provides — available through HR or your insurer's portal.
📎 Send your documents securely before the meeting
Your files are encrypted and go directly to David.
Partners & Tools Powering This Season
Here are the partners and tools we use to power your financial plan.
Holistiplan
Tax return analysis that surfaces the planning opportunities hidden inside your 1040.
Right Capital
Comprehensive planning that integrates your tax and insurance strategy with your long-term goals.
Charles Schwab
Your custodian — providing consolidated tax documents and year-end reporting.
Nationally recognized specialist in life, disability, and long-term care insurance with 20+ years of industry experience. We collaborate on every case to ensure clients receive expert, objective coverage guidance.
Ready to Make the Most of This Season?
Let's sit down and work through these topics together. Whether you're focused on tax planning, insurance review, or both — a simple conversation can make all the difference. Book your Spring Season meeting below.