Strategic Wealth Preservation Tax Planning

At Cubinar & Company LLC, we believe true wealth is measured not just by what you earn — but by what you preserve. We partner with individuals, families, and business owners to create sophisticated, forward-thinking strategies that minimize tax liabilities, protect assets, and ensure financial legacies last for generations.

 What is a tax strategy?

 Tax strategy is the thoughtful arrangement of your cash flow, investments, and business structures to legally optimize your tax position and preserve long-term wealth. A tax strategy is simply a plan for how to legally minimize the amount of taxes you pay — both now and in the future.

It’s about using the existing tax rules intentionally to:

  • Reduce your taxable income,
  • Defer when you have to pay taxes,
  • Shift income or assets in smarter ways (like to family members or into trusts),
  • Structure investments or businesses to qualify for better tax treatment.

Instead of just filing taxes and hoping for the best, a good tax strategy looks ahead and builds taxes into your overall financial plan — so you can keep more of what you earn, grow your wealth faster, and protect it over time.

Why is tax return analysis important?

Tax return analysis is important because your tax return tells the full story of your financial life — and it often reveals opportunities to save money, fix risks, and plan smarter for the future.

When a professional reviews your tax return carefully, they can spot things like:

  • Missed deductions or credits you’re eligible for
  • Overpaid taxes you can recover
  • Income sources that could be taxed more efficiently
  • Business structures that could be optimized
  • Early warning signs for IRS audit risks
  • Opportunities for retirement, gifting, or investment strategies you aren’t using yet

Tax return analysis goes beyond filing—it provides a roadmap of where you’ve been and what opportunities may exist to save in the future. By reviewing past filings, an advisor can identify opportunities or issues.

When should I start tax planning?

The sooner, the better. Tax planning works best when it’s proactive, ideally at the beginning of the year or before you make big financial moves.

This approach allows you to make decisions that maximize savings, reduce stress at filing time, and keep your finances on track.

Good tax planning is proactive, not reactive.

It’s not something you just think about when filing your return — it’s something you build into your decisions all year long.

  • Year-Round Tax Planning
  • Tax-Loss Harvesting
  • Tax Bracket Optimization
  • Charitable Giving Strategies
  • Estate Tax Planning
  • Roth Conversions
  • Asset Location
  • Strategic Withdrawals

Our Services

Tax Strategy & Planning

  • Proactive tax optimization for individuals, businesses, and trusts
  • Capital gains, income tax, and estate tax minimization
  • Strategic use of deductions, credits, and entity selection

Wealth Preservation Tax Planning

  • Multi-generational wealth transfer tax strategies
  • Custom tax-efficient trust structures and estate plans
  • Gifting tax strategies and philanthropic planning

Business Owner Solutions

  • Succession tax planning and exit strategies
  • Tax-efficient sale and transition structures
  • Retirement and benefit tax planning

Why Cubinar & Company, LLC?

Strategic Expertise
 Our team combines deep tax knowledge with real-world experience across finance, estate planning, and law — creating strategies that work not only on paper, but in practice.

Bespoke Tax Planning
 Every client’s situation is unique. We craft highly personalized solutions that align with your goals, values, and vision for the future.

Long-Term Partnership
 We don’t just create a plan — we walk with you as a trusted advisor through every stage of your wealth journey, adjusting tax strategies as your needs evolve.

 

Who We Serve

  • High-net-worth individuals and families
  • Entrepreneurs and business owners
  • Real estate investors
  • Medical, legal, and financial professionals
  • Family offices and trusts

 

Our Process

  1. Discovery
    We start with a deep understanding of your current position, your goals, and potential risks. Our customized strategies are tailored to safeguard what matters most to you.
  2. Proactive Tax Strategy Design
    We build customized, tax-efficient structures and wealth preservation strategies tailored specifically to you. Effective tax planning isn’t just about minimizing this year’s taxes – it’s about anticipating future opportunities and challenges.
  3. Implementation
    Working alongside your existing advisors (or providing a full-service team), we ensure your strategy is seamlessly executed.
  4. Ongoing Optimization
    We monitor, review, and refine your plan regularly — because smart wealth preservation is an ongoing commitment.

 

Key Wealth Preservation Services

  • Advanced Tax Planning: Reduce income, capital gains, estate, and gift taxes.
  • Asset Protection: Shield personal and business assets from lawsuits and creditors.
  • Entity Structuring: Optimize your business and investment holdings for tax efficiency.
  • Trust & Estate Planning: Build structures that preserve and pass on your wealth with minimal tax impact.
  • Philanthropic Planning: Maximize the impact of your charitable contributions while minimizing taxes.

 

Strategize Tax Today, Preserve Wealth Tomorrow

You’ve worked hard to build your success. Now it’s time to secure it.
Let’s create a tax plan that protects your wealth — and your future.