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Tax Planning Services

Keeping more of what you earn is a year-round discipline, not an April event. We help Loudoun County and Northern Virginia families plan Roth conversions, manage brackets, and give with intent.

Request a Tax Planning Consultation

LPLSecurities & advisory services through LPL Financial

Sterling, VAServing Loudoun County, Northern Virginia & Washington, DC

FiduciaryAdvisory recommendations made in your best interest

MemberFINRA & SIPC member firm

Tax Planning Is the Quiet Engine of a Good Financial Plan

Taxes are one of the largest expenses most families face over a lifetime, and they are one of the few you can actively shape. The difference between a return that simply reports the past and a plan that positions the future can be significant, spread across decades of retirement income, conversions, and gifts.

Proactive tax planning is a strength of this practice. We look at your income sources, your account types, and your goals, and we plan the moves that keep more of your money working for you: converting to a Roth while your bracket is low, managing withdrawals to avoid unnecessary brackets, and giving in ways that are efficient for both you and the people or causes you care about.

Why a Few Deliberate Tax Moves Can Outweigh
Years of Guesswork

Small, well-timed decisions compound. Converting a measured amount to a Roth in a low-income year, harvesting gains or losses at the right moment, or timing a charitable gift can each save more than most people expect, and together they can reshape your tax picture for the rest of your life. The rules change yearly, which is exactly why a plan beats reacting return by return.

$15 million

The 2026 federal estate and gift tax exemption per individual, $30 million for a married couple using portability, per the IRS. Even below that line, how and when you transfer wealth is a tax decision worth planning.

$19,000

The 2026 annual gift tax exclusion per recipient, per the IRS. Gifts within that amount, including to a 529 plan, move money to the next generation without using any lifetime exemption.

$24,500

The 2026 employee contribution limit for 401(k), 403(b), and most 457 plans, per the IRS. Choosing pre-tax versus Roth contributions is one of the earliest tax decisions in a plan.

Figures like these shift every year. The lasting value is a plan that watches them and adjusts, so your tax strategy keeps pace with both the law and your life.

How We Approach Tax Planning

Our tax planning is built from the strategies below. The leading ones connect to their own focused page where you can go deeper.

Roth Conversion Analysis

The centerpiece of our tax work. We analyze whether, when, and how much to convert, supported by our Roth conversion calculator, so growth can compound tax-free.

Learn More About Roth Conversions →

Charitable Giving Strategies

Giving with intent can support the causes you care about while improving your tax position, through appreciated assets, bunching, or qualified charitable distributions.

Learn More About Charitable Giving Strategies →

Bracket Management

We plan income and withdrawals to avoid slipping into higher brackets unnecessarily, smoothing your tax bill across years rather than spiking it in one.

Tax-Efficient Withdrawals

The order in which you draw from taxable, tax-deferred, and Roth accounts affects what you keep. We sequence withdrawals with taxes in mind.

Tax-Aware Retirement Planning

Taxes and retirement are one conversation. We coordinate this work with our retirement planning so conversions, RMDs, and income timing all align.

Learn More About Retirement Planning →

Coordination With Your CPA

We plan and then work alongside the professional who files. Clear coordination means your plan and your return tell the same story.

Why Northern Virginia Families Bring Us Their Tax Questions

Tax strategy rewards experience and attention to detail. You want an advisor who plans ahead, coordinates with your tax preparer, and whose advisory recommendations are made in your best interest.

We are a Sterling, Virginia practice backed by LPL Financial, so your tax planning benefits from a close local relationship and the depth of a large independent broker-dealer.

Best-Interest Advice
In our advisory relationships, tax-planning recommendations are made in your best interest, not to sell a product.
Backed by LPL Financial
Securities and advisory services are offered through LPL Financial, a Registered Investment Advisor and Member FINRA and SIPC.
We Coordinate, Not Compete
We work alongside your CPA or tax preparer so your plan and your return stay in sync.
Roth Strategy Is Our Strength
Roth conversion analysis is a signature part of our work, backed by a calculator clients can use to see the tradeoffs.

George Khalsa, APMA^®, CRPC^®, ChFC^®, CLU^®

Financial Advisor

Leads the practice's tax-smart planning, with a focus on Roth conversions and bracket management for retirees and pre-retirees.

Satnam Khalsa, APMA^®, CRPC^®

Financial Advisor

Brings a careful, numbers-first approach to tax-aware investment and withdrawal planning for each client household.

Hari Doue

Practice Manager

Keeps planning meetings, documents, and follow-through organized so your tax strategy is carried out on time.

Areas We Serve

We provide tax planning from our Sterling, Virginia office for families across Loudoun County, Northern Virginia, and the greater Washington, DC region.

Sterling Ashburn Leesburg Loudoun County Herndon Reston Great Falls Northern Virginia Washington, DC Fairfax County

Put a Tax Plan in Place Before the Next Deadline

The best tax moves happen before year-end, not after. If you want a proactive plan for conversions, brackets, and giving, we would welcome a conversation about where you stand and what a coordinated tax strategy could do for you.

Request a Tax Planning Consultation Prefer to talk now? Call 703-791-1283

Frequently Asked Questions

What is the difference between tax preparation and tax planning?

Tax preparation records what already happened and files the return. Tax planning looks forward, positioning income, conversions, and gifts across years so you owe less over time. We focus on the planning side and coordinate with your tax preparer.

What is a Roth conversion and why is it a tax strategy?

A Roth conversion moves money from a traditional retirement account into a Roth, paying tax now so future growth and withdrawals can be tax-free. Done in lower-income years it can reduce lifetime taxes. Our Roth conversions page and calculator help you see whether it fits.

How much can I give tax-free in 2026?

For 2026 the IRS annual gift tax exclusion is $19,000 per recipient, and the lifetime estate and gift tax exemption is $15 million per individual, or $30 million for a married couple using portability. Planned gifting, including to 529 plans, can move wealth without triggering gift tax.

Do you prepare my tax return?

We provide tax planning as part of your financial plan and coordinate with your CPA or tax preparer. Neither LPL Financial nor its representatives provide tax advice as a substitute for your own tax professional; we help you plan and then work alongside the professional who files.