Deliver holistic solutions
Incorporating tax strategy helps clients save more, invest smarter and reach goals faster. It differentiates your service and drives deeper satisfaction.
VFO focus area
The missing link in most advisory services.
Tax planning is not preparing a return. It is integrating tax strategy into wealth management so a client saves more, invests smarter and gets there faster. You can offer it without becoming a tax expert.
Why it matters
Three reasons it is now a necessity.
Elevate your role
Clients seek advisors who provide forward-thinking, integrated solutions. Collaborating with us lets you offer that expertise without acquiring it yourself.
Unlock new revenue
Tax planning complements wealth management and insurance strategies, opening opportunities to increase retention and revenue.
How we help
You keep the client. We bring the strategist.
Collaborative tax strategies
Work with experienced tax strategists to integrate planning into your client offering seamlessly.
Expert case support
Our team becomes your advocate, with personalised 1:1 support to deliver tailored solutions.
More time for your clients
We take the administrative and technical work, you keep the relationship and the growth.
Advisors who partner with us see increased production, higher client retention and better work-life balance, without mastering tax planning on their own.
Example strategies
What you could be recommending.
Strategies for business owners and high-net-worth individuals. The marked ones we implement in house.
Turn appreciated assets and philanthropic intent into deductions, income and a legacy.
- A Charitable Lead Annuity Trust (CLAT) with payments that start low and have one large payment at the end, maximizing tax benefits while supporting charitable causes. The balloon CLAT can pass a large benefit to the family free of estate and gift tax free.
- Sell assets to a charity at a reduced price, receiving immediate cash while securing tax advantages and supporting a cause you care about.
- A donation-based contract where you provide a gift to a charity in exchange for fixed lifetime income and potential tax benefits.
- A trust that provides income to a charity for a set period (Or a lifetime), with the remaining assets passing to beneficiaries or reverting to the donor, offering immediate income tax savings.
- Donation of a principal residence, usually while retaining lifetime use, securing an immediate tax deduction while ensuring a future gift to charity.
- A trust that pays income to you or others for life or a set term, with the remainder going to charity, usually to defer long term capital gains on an appreciated asset and estate planning advantages.
- Advanced strategies that amplify the impact of charitable gifts using tax-efficient financial tools and asset transfers.
- A flexible charitable giving account that allows you to make tax-deductible contributions, grow funds tax-free, and recommend grants to charities over time.
- A Charitable Remainder Unitrust (CRUT) that "flips" from net income to standard payout upon a triggering event, ideal for gifting illiquid assets.
- This is a multi-generational Pooled Income Fund.
- A personalized charitable entity that enables ongoing philanthropy, tax benefits, and control over grantmaking and investment decisions.
- A Charitable Remainder Unitrust that pays beneficiaries the trust’s net income, with the option to make up for lower payments in high-earning years.
- A specialized Pooled Income Fund (PIF) offering enhanced payout structures and tax advantages for charitable giving.
- Eliminates up to 99% of capital gains, creates tax-free lifetime income, generates an 80%+ charitable deduction, and supports philanthropic efforts.
- A CLAT created at death through a will or trust that allows the donor to zero out estate taxes while supporting charitable causes after death while ultimately transferring assets to heirs free of estate tax.
- A pooled income fund that is less than three years old and therefore uses a federally published rate to determine the charitable income tax deduction.
Trusts, entities and insurance design that move wealth to the next generation intact.
- A strategy for drawing income from annuities in a tax-efficient manner while preserving financial security.
- Legal and financial strategies designed to shield wealth from creditors and lawsuits.
- Structured plans to transfer or sell a business smoothly while maximizing value, minimizing taxes, and ensuring continuity.
- Legally binding agreements that outline the transfer of business ownership in the event of retirement, disability, or death, protecting owners and heirs.
- A restructuring strategy that normally provides for different shareholder rights, normally voting and non-voting. This is done to facilitate estate planning and wealth transfer.
- A provision in irrevocable trusts allowing beneficiaries to make temporary withdrawals, enabling contributions to qualify for the annual gift tax exclusion.
- A long-term trust designed to preserve family wealth across multiple generations while minimizing estate taxes.
- A legal structure that centralizes family assets, and allows for the simplified transfer of hard to divide assets.
- A flexible business entity used to manage and protect family assets, reduce estate taxes, and facilitate generational wealth transfer.
- A specialized trust structure allowing the grantor to pay income taxes on trust earnings, preserving more wealth for beneficiaries.
- A trust designed to hold life insurance policies outside of an estate, reducing estate taxes while providing liquidity for heirs.
- A tax-efficient strategy to transfer assets to family, friends, or charities while reducing estate taxes and maximizing wealth transfer.
- Compensation strategies designed to retain key employees by offering financial incentives that vest over time.
- A trust that allows a grantor to transfer appreciating assets to heirs at a reduced tax cost while retaining annuity payments for a fixed period.
- The sale of an existing life insurance policy to a third party for more than its cash surrender value, offering liquidity to policyholders.
- A trust structure designed to separate assets from the grantor’s taxable estate, often used for state income tax planning.
- Loans between family members structured to facilitate wealth transfer, reduce tax liability, and preserve family assets.
- Trusts established in specific states or countries with favorable tax, asset protection, or privacy laws to optimize wealth preservation.
- Life or disability insurance on a critical employee or business owner, providing financial stability in case of their unexpected departure.
- A financial tool providing a death benefit to beneficiaries, often used for income replacement, estate planning, and wealth transfer.
- Strategies for building and managing wealth to ensure financial security and tax efficiency in retirement.
- Limited partnerships structured with preferred return features, and the ability to "freeze" the value of an approeciating asset.
- A strategy where third-party financing is used to pay life insurance premiums, allowing high-net-worth individuals to preserve liquidity.
- A tool that allows business owners to acquire business insurance and realize profits from low claims experience. Effectively replaces captive insurance structures.
- A trust that allows homeowners to transfer a primary or vacation home to heirs at a reduced gift tax value while retaining use for a set period.
- A method for business owners to acquire speicalty insurance coverage and benefit from the profits of low claims experience.
- Techniques to minimize taxes on retirement income, including Roth conversions, tax-efficient withdrawals, and strategic asset placement.
- Estate planning tools that allow for asset management during life and smooth transition at death, avoiding probate while ensuring financial and healthcare decisions are managed effectively.
- A tax-efficient strategy for transferring assets by selling them to heirs or trusts in exchange for structured payments over time.
- A special type of installment sale where remaining payments are forgiven upon the seller’s death, reducing estate tax liability.
- A strategy where individuals or businesses fund their own life insurance policies using structured loans or internal financing.
- An irrevocable trust allowing one spouse to benefit while keeping assets outside the taxable estate, preserving wealth for future generations.
- Strategies for smoothly transitioning business ownership and leadership while maximizing value and minimizing tax burdens.
- A Grantor Retained Annuity Trust (GRAT) structured to minimize gift tax impact while transferring appreciating assets to heirs efficiently.
- A plan that allows employees or executives to postpone receiving a portion of their income until a later date, often to reduce current tax liability and enhance retirement benefits. This non qualified.
- A trust designed to hold life insurance policies outside of an estate, reducing estate taxes while providing liquidity for heirs.
Retirement structures that let business owners deduct far more than a 401(k) allows.
- Tax-efficient strategies for moving retirement savings from one account to another, including Roth conversions and alternative rollover options to optimize tax impact.
- A strategy for business owners to transfer ownership to employees through a tax-advantaged stock plan, improving succession planning and employee incentives.
- Advanced retirement plans designed for business owners and employees, incorporating flexible contribution structures, tax benefits, and investment options.
- Retirement plans with excess contributions that can be leveraged for additional tax-deferred growth, risk management, or future tax-efficient withdrawals.
- A tax incentive allowing eligible business owners to deduct up to 20% of their qualified business income, reducing taxable income.
- A retirement plan feature that allows businesses to distribute a portion of their profits to employees’ retirement accounts, providing tax benefits and employee incentives.
- A strategy for maximizing pension benefits while coordinating with other retirement assets to enhance income security and tax efficiency.
- A financial strategy that repurposes underperforming pension assets into more tax-efficient vehicles, such as life insurance, to better serve estate and legacy goals.
Assurance Ally Advisors can manage and implement these strategies in house.
Tax planning as a growth strategy
Become the advisor who saw it coming.
Our collaborative model gives you the expertise, tools and support to make tax planning a seamless part of your practice.