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Tax Planning with a Financial Advisor

Our financial advisory and CPA financial planner expertise delivers robust tax planning that reduces your tax burden.

SERVING THE ST. LOUIS REGION

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"Keep more of what’s yours."

Many people want to know how they can lower their tax bill – but what if you approached your taxes so they systematically decreased every year and reduced the amount your descendants paid in the future?
Craig Toberman’s past experience as a CPA financial planner allows him to deliver holistic tax planning. Toberman Becker’s advanced planning structures your portfolio in a way that helps minimize your income tax, capital gains tax, gift tax, and estate tax obligations so that your legacy can last as long as possible.

How Toberman Becker Aims To Reduce Your Tax Burden

Let’s build a plan to review:
  • The age when you turn on social security (latest at age 70) or a pension plan.
  • The required minimum distributions from traditional IRA accounts you’ll start taking at age 72.
  • Future statutory federal and state tax increases to cover governmental liabilities and political initiatives.
  • The amount saved in your pre-tax retirement accounts.
  • Roth Conversions made before the start of your social security or pension plan and the start of distributions from your IRAs, but after your regular wage income ends for retirement.

Our Financial Advisory and Tax Planning Process

1. Evaluate Current Assets and Long-Term Goals

Once we understand the assets you own, we'll help you think about what you want them to do for you in the future.

2. Create a Tax Strategy

We’ll work closely with your CPA to organize your short-term tax liabilities while using long-range forecasting to minimize liabilities. Our strategy emphasizes Roth conversions, proactive gifting, tax loss harvesting, estate tax modeling, tax-efficient wealth transfer strategies, and contributions to tax-free 529 college savings plans.

3. Financial Projections and Analysis

We use specialized financial planning software combined with our tax planning expertise to illustrate and quantify your lifetime tax savings.

4. Long-Term Relationship

We cultivate relationships with clients for the long-term and you can contact us at any time to discuss tax issues that impact your portfolio.

Our Financial Advisory and Tax Planning Process

1. Evaluate Current Assets and Long-Term Goals

Once we understand the assets you own, we'll help you think about what you want them to do for you in the future.

2. Create a Tax Strategy

We’ll work closely with your CPA to organize your short-term tax liabilities while using long-range forecasting to minimize liabilities. Our strategy emphasizes Roth conversions, proactive gifting, tax loss harvesting, estate tax modeling, tax-efficient wealth transfer strategies, and contributions to tax-free 529 college savings plans.

3. Financial Projections and Analysis

We use specialized financial planning software combined with our tax planning expertise to illustrate and quantify your lifetime tax savings.

4. Long-Term Relationship

We cultivate relationships with clients for the long-term and you can contact us at any time to discuss tax issues that impact your portfolio.

How We Mitigate Your Tax Liabilities

1

Long-Range Forecasting

We look beyond our clients’ immediate tax liabilities to the future to minimize the total amount they’ll pay in taxes in the short- and long-term, and how much their inheritors will have to pay in the future.

2

Planning for Future Tax Liabilities

Traditional IRAs and other pre-tax retirement accounts have yet to be taxed. That means, by definition, the government owns a share in those accounts, which can change at any time. We help clients be proactive in settling up this tax liability on their own terms, in years when it is most favorable to them.
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Tax Planning FAQ

Toberman Becker provides a concierge level of service, built from the ground up. This allows us to invest in your future success—and it’s why we’re free of institutionalized sales quotas, legacy processes, or secondary agendas. Partners Craig Toberman and Michael Becker both grew up in and attended school in the St. Louis region. They strive to help others here grow their wealth and the wealth of this community.

Toberman Becker Wealth provides a concierge level of service, built from the ground up. This allows us to invest in your future success—and it’s why we’re free of institutionalized sales quotas, legacy processes, or secondary agendas. Partners Craig Toberman and Michael Becker both grew up in and attended school in the St. Louis region. They strive to help others here grow their wealth and the wealth of this community.

As a fee-only financial planning firm, we have committed to only being compensated by clients. We don’t accept fees or commissions from the sale of financial products. This eliminates potential conflicts of interest. We are also bound by the fiduciary standard, a legal obligation to always put the interest of our clients above our own.

As financial planners, we also offer tax planning services as they impact your portfolio. Because we are fee-only and we offer tax planning services, people may think of us as fee-only tax planners. However, note that we do not offer tax planning as a standalone service – our tax planning services are part of our holistic solution to managing your financial portfolio.

There’s no set schedule, though we aim for at least twice per year – and especially as your circumstances change.

We are located at:

1741 S Big Bend Blvd

St. Louis, MO 63117

Craig Toberman holds a Bachelor of Science (B.S.) degree in Agricultural and Consumer Economics from the University of Illinois and a Master of Business Administration (M.B.A.) degree in Finance from Saint Louis University. He is a Certified Financial Planner (CFP), Chartered Financial Analyst (CFA) charterholder, and Certified Public Accountant (CPA).

Michael Becker earned a Bachelor of Science degree in Finance and Banking from the University of Missouri – Columbia. Additionally, he holds designations as a Chartered Financial Analyst (CFA) charterholder and Certified Financial Planner (CFP).

We primarily work with clients in Missouri or Illinois, but can work with clients all over the United States.

We welcome you to visit this link to learn more about Toberman Becker Wealth.

Ready to discuss a tax strategy aligned with your portfolio?

Book a call with us or schedule a visit at our St. Louis office.

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