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Tax Planning for High Earners | RYSE Financial | Los Angeles

Tax Planning

Most high earners are
overpaying taxes.
You don't have to.

At RYSE Financial, tax planning isn't a once-a-year conversation with your CPA. We factor taxes into every investment decision, retirement income plan, charitable giving strategy, and wealth transfer — from day one.

Schedule a Consultation Run Your Numbers
70%
of taxpayers overpay the IRS each year — most without realizing it
Source: IRS.gov
20+
years of tax-integrated planning for high-income clients in Southern California
4
integrated planning layers: investments, retirement, charitable giving & estate

Our Philosophy

Built into everything,
not bolted on.

Most advisors treat taxes as a separate category — something handled by your CPA in April. We build tax efficiency into every recommendation we make, from how your investments are structured to how your retirement income is sequenced. The difference compounds over time in ways that end-of-year tax prep simply can't replicate.

01
Year-round, not seasonal

Tax planning that only happens in Q1 is reaction, not strategy. We're already planning for next year before this one closes.

02
Coordinated across every layer

Investment decisions, retirement withdrawals, charitable giving, and estate transfer all carry tax implications. We connect the dots across all of them.

03
What you keep is the metric

Returns are inputs. After-tax, after-fee outcomes are what we optimize for — because that's the number that actually changes your life.

What We Do

The IRS has a plan
for your money. So do we.

Tax planning isn't a once-a-year conversation. For our clients, it's built into everything.

01 — Investment
You're paying more in taxes on your portfolio than you have to.

Most investors focus on returns. We focus on what you actually keep. Through tax-loss harvesting, asset location, and capital gains management, we reduce the drag that quietly compounds against you — year after year.

02 — Retirement
A great retirement plan can still fail at the tax layer.

We build withdrawal sequences, Roth conversion strategies, and tax-deferred growth plans that work together — so your retirement income doesn't take an unexpected hit when you need it most.

03 — Charitable Giving
Generosity shouldn't cost you twice.

Whether it's donor-advised funds, charitable trusts, or appreciated asset donations — we structure your giving so it reflects your values and your financial goals at the same time.

04 — Legacy & Estate
What you leave behind shouldn't be a tax bill.

We use trusts, gifting strategies, and step-up basis planning to make sure the wealth you've built is the wealth your family receives — not a fraction of it.

Interactive Model

What is tax drag
actually costing you?

Put in your numbers and see the difference proactive planning makes — across income, investments, real estate, and your estate.

Income & Filing
Gross income
$400,000
Filing status
Planning Strategies
Tax Without Planning
—
federal + FICA est.
Tax With Planning
—
after strategies
Annual Savings
—
kept in pocket
Effective Rate (Planned)
—
vs. marginal rate
Savings by Strategy
Your 2026 Bracket Position

Business Profile
Pass-through business income (QBI)
$500,000
W-2 wages paid to employees
$200,000
Entity type
Business Tax Strategies
Tax Without Planning
—
owner's personal tax
Tax With Planning
—
after strategies
QBI Deduction Value
—
20% of eligible QBI
Effective Rate (Planned)
—
vs. 37% top marginal
Business Tax Savings Breakdown

Property Portfolio
Rental property gross income
$120,000
Total property value (portfolio)
$2,500,000
Depreciation basis (original cost)
$1,200,000
Real Estate Planning Strategies
Rental Tax (No Plan)
—
ordinary income rate
Rental Tax (Planned)
—
after deductions
Annual Depreciation Shield
—
tax basis / 27.5 yrs
NIIT Exposure
—
3.8% on net investment income
Real Estate Tax Savings Breakdown

Life Insurance Profile
Death benefit (face value)
$3,000,000
Annual premium
$30,000
Existing taxable estate
$8,000,000
Insurance Planning Strategies
Without ILIT
—
estate tax on benefit
With ILIT
—
estate tax on benefit
Death Benefit Preserved
—
passes to heirs tax-free
Premium Leverage Ratio
—
benefit divided by premium
How an ILIT Works
1
Create an ILIT — an irrevocable trust that owns the life insurance policy. Because you don't own it, the death benefit is excluded from your taxable estate.
2
Gift premiums annually — using Crummey withdrawal rights, these qualify for the annual exclusion ($19,000/beneficiary in 2026).
3
At death — proceeds distribute to heirs completely outside probate, outside the estate, and free of estate tax.
4
Liquidity for estate taxes — often used to fund the estate tax bill on illiquid assets like real estate or business interests, preventing a forced sale.

Estate Composition
Total gross estate
$10,000,000
Business interest value
$2,000,000
Real estate value
$3,000,000
Estate Planning Strategies
2026 Exemption $15M
$15,000,000
per person, inflation-indexed
Estate Tax (No Plan)
—
40% on excess
Estate Tax (Planned)
—
after strategies
Wealth Preserved for Heirs
—
tax avoided
No planning
+ Annual gifts
+ SLAT/ILIT
+ QPRT
+ FLC/GRAT

Lifetime Assumptions
Annual income (current)
$400,000
Annual income growth rate
3.0%
Planning horizon
25 years
Planning Effectiveness
Strategy effectiveness (% of taxes reducible)
25%
After-tax return on savings (invested)
7.0%

The compounding line shows cumulative value if annual tax savings are invested at the selected return rate — illustrating why early planning compounds dramatically.

Total Taxes (No Plan)
—
over full horizon
Total Taxes (Planned)
—
over full horizon
Total Tax Savings
—
nominal dollars
Compounded Value
—
savings invested at return rate
Cumulative tax (no plan)
Cumulative tax (planned)
Compounded savings value

Important disclosures: All figures are hypothetical illustrations based on general assumptions and current 2026 tax law. Results are for educational purposes only and do not constitute personalized financial, legal, or tax advice. Tax estimates use 2026 federal brackets per IRS Rev. Proc. 2025-32 and the One Big Beautiful Bill Act (OBBBA). State taxes (including California's 13.3% top rate), AMT, and individual circumstances are not fully modeled. The $15M federal estate tax exemption is per person; married couples may utilize $30M via portability. QBI deduction eligibility depends on entity type, W-2 wages, UBIA, and income thresholds. ILIT strategies require proper trust drafting and Crummey notices. Consult a qualified financial advisor, attorney, and CPA before implementing any strategies.

Why RYSE

Why clients stay
with us for 20+ years.

RYSE Financial was founded on a simple belief: that people deserve an advisor who treats their money like family. Because for us, it is. As a mother-son firm, we've spent over two decades building relationships — not just portfolios — with clients across Southern California and beyond.

We don't just react to tax season. We're already planning for next year before this one closes. Tax planning, investment management, and financial planning all working together under one roof.

Most clients come in thinking their taxes are handled. Most leave with a list of things their CPA never caught.

Schedule Your Consultation
Boutique
by design.
We know your name, your story, and what keeps you up at night. Every client gets our full attention — the kind of access, warmth, and care you'd expect from someone who genuinely considers you family.
20+
Years building long-term relationships — not transactions — with high-income clients across Southern California.
Fee-based.
No hidden commissions. Our incentives are aligned with yours — we make more when you do better, not when we sell you something.
"Most clients come in thinking their taxes are handled. Most leave with a list of things their CPA never caught."
-Opinder, Founder, RYSE Financial

Get Started

Most clients come in thinking
their taxes are handled.

If you're earning well and haven't had a dedicated conversation about how taxes interact with your investment strategy, retirement income, and estate plan — that conversation is overdue.

Schedule Your Consultation

No pitch. Just clarity.