Proactive, year-round tax strategies to help executives, professionals, and small business owners keep more of what they’ve earned.

Our Year-Round Tax Planning Process

At Wurz Financial Services, tax planning isn’t something we do once a year — it’s built into everything we do. Our fiduciary, fee-only advisors provide a comprehensive, proactive process designed to reduce tax liability, increase efficiency, and align with your long-term retirement plan.

We review your financial picture throughout the year to uncover opportunities that many advisors miss, so you can enter retirement with clarity and confidence.

How We Help You Minimize Taxes

Tax Return Reviews

We review your past and current tax returns to identify missed opportunities, spot inefficiencies, and develop strategies to reduce your tax liability going forward.

Roth Conversion Analysis

We evaluate whether partial Roth conversions make sense for your situation — helping shift assets into tax-free growth while keeping you in the most efficient tax brackets.

Year-End Tax Planning

Before December 31, we run detailed scenarios to capture deductions, credits, and strategic moves to reduce your tax bill for the year.

Net Unrealized Appreciation (NUA)

For executives with employer stock inside retirement plans, we help you unlock tax savings by distributing shares to a brokerage account, where gains are taxed at capital gains rates instead of ordinary income.

Social Security Optimization

We coordinate your Social Security strategy with your tax plan, helping you decide when to file and how benefits interact with other income sources.

Portfolio Tax Efficiency

From asset location (placing the right investments in taxable vs. retirement accounts) to dividend and interest management, we design portfolios that minimize tax drag.

Tax Loss Harvesting

When markets fluctuate, we actively realize investment losses to offset gains, reducing your tax liability and improving after-tax returns.

Why Tax Planning Matters for Retirement

Many high-net-worth clients underestimate the impact of taxes in retirement. Without careful planning, taxes can erode wealth faster than market risk. Our year-round tax strategies are designed to:

• Maximize after-tax income
• Reduce required minimum distributions (RMD) burdens
• Optimize legacy and estate transfers
• Keep more wealth in your control, not the IRS’s

Why Choose Wurz Financial Services for Tax Planning?

• Fiduciary, Fee-Only Advice — No commissions, no product sales, no conflicts of interest.
• Year-Round Process — Not a once-a-year checkup, but an integrated part of your financial plan.
• Specialized Expertise — Decades of experience working with executives, professionals, and small business owners.
• Family-Owned Legacy — Two generations of trusted advice, serving clients in Cincinnati, Toledo, and nationwide.

Take Control of Your Taxes Today

Tax planning isn’t about what happened last year — it’s about making smarter moves today for a better tomorrow.