Tax Planning
tailored tax planning for You
Tax-Smart Strategies for Every Stage of Life
Taxes touch nearly every financial decision you make, which is why they play a central role in our planning process. At Montage Wealth Advisors, our fiduciary advisors provide integrated tax planning for clients across Orange County and beyond. We take a proactive approach, designing strategies that minimize liabilities, maximize after-tax income, and align with your overall financial goals. Our distinct advantage comes from offering in-house tax preparation services exclusively to financial planning clients, allowing us to seamlessly connect planning with execution. Whether you’re preparing for retirement, running a business, or navigating complex estate needs, we help ensure your wealth is structured as efficiently as possible.
More Than Just Filing Returns
Comprehensive Tax Planning Services
True tax planning is about more than April 15—it’s about year-round strategies that position you for long-term success. Our in-house expertise helps clients coordinate taxes with retirement, investments, and estate plans.
Tax-Efficient Retirement Strategies
We design plans to minimize taxes on withdrawals, Social Security benefits, and required minimum distributions.
Capital Gains & Investment Tax Planning
Coordinating investment decisions to manage capital gains exposure and optimize after-tax returns.
Roth Conversions & Account Structuring
Evaluating when and how to convert to Roth accounts for long-term tax efficiency.
Charitable Giving Strategies
Maximizing deductions and aligning charitable contributions with legacy and estate goals.
Business & Self-Employed Tax Planning
Helping small business owners and entrepreneurs structure income, expenses, and retirement plans to reduce tax liability.
Tax Preparation for Planning Clients
Exclusive in-house tax filing services help ensure every piece of your financial strategy is aligned and streamlined.
Tax Preparation Services for Planning Clients
Founder Phil Bracey, CFP® and Enrolled Agent, established Montage Wealth Advisors with a deep knowledge of tax planning. Over the years, that expertise has expanded through a credentialed team including tax-licensed and insurance-licensed professionals.
While we are now known for fully integrated, tax-efficient wealth strategies, our team continues to offer exclusive tax planning and preparation services to financial planning clients. This in-house capability creates a seamless experience and ensures that every strategy we design is optimized for tax efficiency.
**Tax services offered through Montage Wealth Advisors. Cetera Wealth Services LLC does not provide tax or legal advice. The strategies mentioned may not be suitable for all investors. They involve risks, costs, and legal/tax considerations, and outcomes depend on individual circumstances, market conditions, and applicable laws. Tax benefits are not guaranteed and may change with future legislation.
Tax Questions, Answered
Frequently Asked Questions About Tax Planning
Do you offer tax preparation to everyone?
No. We provide tax preparation exclusively to financial planning clients. This allows us to fully integrate your plan and help ensure continuity between your financial and tax strategies.
How can tax planning improve my retirement?
Taxes are one of the biggest expenses in retirement. Through strategies like Roth conversions, Social Security timing, and careful withdrawal planning, we help minimize taxes so you keep more of your income.
Can you help small business owners with taxes?
Yes. We provide tax planning strategies for business owners in Brea and Orange County, including structuring retirement plans, expense management, and helping reduce self-employment tax burdens.
What’s the difference between tax planning and tax filing?
Tax filing looks backward—reporting what happened last year. Tax planning looks forward—designing strategies to reduce future liability and support your overall financial goals.
Do you coordinate with my CPA or accountant?
Absolutely. If you already work with a tax professional, we’ll collaborate to help ensure your broader financial plan and tax strategies are fully aligned.