Services
Tax planning & coordination
Aspirean Wealth serves individuals and families from our offices in Mill Valley, St. Joseph, and Chesterton. Tax planning sits under one coordinated team here, alongside the investment plan and the estate documents, rather than in a conversation of its own each spring.
Where we offer it
Tax Planning & Coordination in three offices.
Tax planning in Marin County, CA
6 Knoll Lane, Suite BMill Valley, CA 94941
(415) 383-8404
Marin County, CA · Mill Valley, CA · San Francisco Bay Area, CA
Tax planning in St. Joseph, MI
505 Pleasant St, Suite 401St. Joseph, MI 49085
(844) 687-5342
St. Joseph, MI · Benton Harbor, MI · Southwest Michigan
Tax planning in Chesterton, IN
160 Rail Rd, Suite 4Chesterton, IN 46304
(844) 687-5342
Chesterton, IN · Valparaiso, IN · Northwest Indiana
Realization and loss harvesting
We set a gains budget for the year before we trade, so what gets realized is a decision rather than a byproduct of rebalancing. When markets give us the opportunity, we harvest losses to carry against the gains you would otherwise recognize, keeping the wash-sale rules in view as we do it. The aim is an April with no surprise bill attached to it.
Charitable giving
Giving appreciated stock instead of cash moves a low-basis position off your balance sheet without realizing the gain, and it can fund a donor-advised fund in a year when your income runs unusually high. After the qualifying age, a qualified charitable distribution sends money straight from an IRA to the charity. We work out which of these fits the year you are actually having.
Roth conversions and bracket management
Between the year you stop working and the year required distributions begin, many households sit in a lower bracket than they are likely to see again. We use that window deliberately — filling a bracket to its top with a Roth conversion, then stopping — instead of letting later distributions fill it for you.
Frequently asked questions
The things you’re probably wondering.
Do you have a minimum asset level?
Yes. We best serve individuals with at least $1 million in investable assets, including 401(k) plan assets, or more complex financial situations. Our minimum annual fee is $7,500 for clients below that threshold.
How are you compensated?
We are a fee-only Registered Investment Advisor and a fiduciary, paid via a percentage of the assets we manage.
Do you prepare my tax return?
No. We plan the year and coordinate directly with the CPA who files your return, so the plan and the paperwork agree rather than arriving at the same numbers by accident.
Meet with us
Let’s talk.
If you’d like to talk through the tax side of your situation, we’d like to hear from you.
Meet with us