Why This Matters

Most people think tax season is about filling out forms. But true tax planning isn’t seasonal—it’s strategic.

At Feliciano Financial Group, we help clients go beyond basic tax preparation by building forward-looking strategies that keep more of your income working for you—not the IRS. By coordinating tax and financial planning, we reduce friction, avoid missed opportunities, and unlock advantages others overlook.

It’s not just about compliance—it’s about control.

The Trust Gap in Tax Planning

• Most investors think their CPA is handling it—but their CPA is often reacting, not planning.
• Many financial advisors never talk about tax impact at all.
• Few clients understand how tax incentives can be used legally and proactively to build wealth.

That’s the trust gap. We close it by aligning tax and financial strategies around your goals—not just your returns.

Pain Points We Help Solve

• Frustration that you’re paying more taxes than necessary
• Missed opportunities for deductions, deferrals, or tax-favored investments
• Confusion about how income and capital gains are taxed
• Anxiety about how retirement income will be taxed later
• Fragmented advice across tax, investment, and estate disciplines

Why It’s Worth It

✅ Keeps more of your money working for you—not against you
✅ Brings clarity to how your investment choices impact taxes
✅ Helps you take full advantage of legal tax incentives
✅ Aligns your income, retirement, and estate strategy with tax efficiency
✅ Supports smarter decision-making all year—not just in April

What Strategic Tax Planning Looks Like

In retirement, tax planning becomes even more critical—not just for what you earn, but where you take it from.

We help you manage not only your income but your withdrawal strategy—guiding you on which bucket to draw from (taxable, tax-deferred, or tax-free) to minimize your tax exposure and preserve your wealth.

It’s not just about investments. It’s about: – Coordinating with Social Security: Maximize your benefits and avoid unexpected taxation of Social Security income. – Planning for Health Costs: Account for Medicare premiums, long-term care needs, and other healthcare-related withdrawals. – Protecting Withdrawal Timing: Strategize required minimum distributions (RMDs) and avoid penalties or bracket creep. – Balancing Lifetime Income: Helps you have sustainable, tax-efficient cash flow throughout retirement.

Tax planning in retirement is about longevity, legacy, and liquidity. And we help you align all three.

There’s a difference between being prepared for tax season—and planning to reduce what you owe.

We guide clients in:

• Understanding Tax Incentive Investments: Know when an investment’s return is boosted by how it’s taxed, not just how it performs.
• Leveraging Legal Structures: Use partnerships, retirement plans, or other vehicles to access deferrals, deductions, and reductions.
• Coordinating With Cash Flow: Help your income streams, asset sales, and retirement withdrawals are timed with purpose.
• Planning With Industry Insight: Invest in sectors (like energy, manufacturing, or real estate) where tax law offers added advantages.

From municipal bonds and life insurance to structured partnerships and retirement accounts—we help you navigate what works best for your risk, goals, and timeline.

Bottom Line: Why You Should Care

Because paying taxes is inevitable—but overpaying is not.
Because strategic tax planning gives you choice, flexibility, and confidence.
Because you deserve to keep more of what you’ve earned—and grow it purposefully.

📞 Let’s talk about a smarter way to plan—not just prepare.

Schedule your discovery call at 903-533-8585.

Organize. Simplify. Clarify. Plan with tax purpose.

This content is for informational purposes only and does not constitute legal or tax advice. Please consult with your legal or tax advisor for guidance specific to your situation.