Tax Strategies That Strengthen Your Long-Term Plan
2024
Idaho Falls Business
Hall of Fame
Taxes shape more than returns—they shape your financial future.
Tax Strategy: Integrating Wealth
and Wisdom
We take a proactive, education-driven approach to tax strategy—helping you explore options aligned with your goals, investments, and legacy. In coordination with your tax professionals, we help navigate income planning, liquidity events, and charitable opportunities.
Capital Gains and Investment Taxation
We evaluate how investment decisions affect your tax picture—analyzing capital gain exposure, transaction timing, and tax-loss harvesting opportunities. For concentrated or highly appreciated positions, we may explore charitable or structural strategies that support diversification and tax efficiency.
Optimizing Tax-Advantaged Accounts
Account structure can make a lasting difference in tax outcomes. We guide you in using IRAs, Roths, HSAs, 529s, and employer plans effectively—balancing contribution limits, tax rules, and your goals. For business owners, we also explore retirement plan options that support savings and tax mitigation.
Roth Conversion Strategies
Roth conversions can be powerful—but timing is everything. We help you assess if a conversion aligns with your long-term goals, considering your tax bracket, income needs, and legacy plan. These decisions are always coordinated with your tax professional.
Charitable Planning with Purpose
For philanthropic clients, we evaluate tools like Donor Advised Funds and Qualified Charitable Distributions. These strategies may provide tax benefits while supporting causes you care about. Whether gifting securities or managing RMDs, we help integrate giving into your broader plan.
Planning for Major Transactions
Major liquidity events—like selling a business or property—require careful tax planning. We work with you and your tax team to explore strategies like installment sales, charitable vehicles, or 1031 exchanges. The goal: align transaction decisions with your overall wealth strategy.
our services
The Journey Difference
As an independent firm, we offer objective guidance focused on your goals—not product incentives. Our tax strategy conversations emphasize education, coordination, and planning. We work closely with your tax and legal advisors to help keep your plan efficient and aligned with what matters most.
Disclaimer: Journey Financial Services, Inc. is a registered investment advisory firm. The information provided is for educational purposes only and is not intended as legal or tax advice. Clients should consult their legal or tax advisors regarding their specific financial circumstances. Investment strategies discussed may not be appropriate for all investors and are subject to change based on individual needs, objectives, and evolving tax laws.
Disclaimer: Journey Financial Services, Inc. is a registered investment advisory firm. The information provided is for educational purposes only and is not intended as legal or tax advice. Clients should consult their legal or tax advisors regarding their specific financial circumstances. Investment strategies discussed may not be appropriate for all investors and are subject to change based on individual needs, objectives, and evolving tax laws.
Tax strategy with purpose.
Efficient. Strategic. Designed to align with your full financial picture.
