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Tax Planning In Southbury, CT

Coordinated, Tax-Aware Strategy For Connecticut Families

Investment, retirement, and estate decisions carry tax consequences that rarely coordinate on their own. We work alongside your CPA so your plan and your tax picture point in the same direction, from our office on Main Street South in Southbury.

Request A Consultation Call 860-955-3535
Coordinated Financial Planning One advisor aligning your investment, tax, estate, and insurance decisions into a single plan.
Fee-Based Advisory Transparent, fee-based advisory. Costs reviewed with you before any engagement.
Based In Southbury, CT Serving individuals and families throughout Connecticut.
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Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA & SIPC.

Coordinated Tax Planning In Southbury, Connecticut

Taxes touch nearly every financial decision you make. When you sell an investment, draw income in retirement, convert a portion of an IRA, or pass assets to the next generation, the tax result depends on choices made across your whole plan, not one account at a time. When those choices are handled separately, opportunities get missed and avoidable tax drag builds up over the years.

At True Compass Advisors, we bring tax awareness into the center of your financial plan for individuals and families across Connecticut whose wealth has grown substantial and complex. We are not a tax preparation firm and we do not provide tax advice. Instead, we work directly with your CPA so investment, retirement, and estate decisions reflect their tax impact and are carried through to execution. Acting as your financial quarterback, we help keep the financial plan and the tax plan aligned.

If you are weighing a Roth conversion, planning retirement withdrawals, holding a concentrated stock position, or thinking about how to transfer wealth efficiently, this page explains how we coordinate the tax-aware pieces of your plan and how to start a conversation.

Why Tax-Aware Planning Matters

As wealth grows, the tax cost of an uncoordinated decision grows with it. Where an asset is held, when a gain is realized, and how income is sequenced can matter as much as what you own. These national figures show why the timing of these decisions deserves careful attention.

Up To 37%

The top federal ordinary income tax rate for 2025 is 37%, while long-term capital gains are taxed at lower rates. How income is characterized and sequenced can meaningfully change what you keep.

Source: IRS
Age 73

Most savers must begin taking Required Minimum Distributions from traditional retirement accounts at age 73, and the timing of those withdrawals carries real tax consequences.

Source: IRS
Up To 85%

Depending on combined income, up to 85% of Social Security benefits can be subject to federal income tax, which makes income sequencing an important planning decision.

Source: Social Security Administration
$13.99M

The federal estate and gift tax exemption is $13.99 million per individual for 2025. Wealth transfer decisions made now can affect what passes efficiently to the next generation.

Source: IRS

These are national figures for general education, not predictions about your individual situation, and they are not tax advice. The value of planning is turning rules like these into a coordinated strategy that reflects your accounts, your tax picture, and your goals, in step with your tax professional.

How We Coordinate The Tax Side Of Your Plan

Tax awareness runs through the whole plan rather than sitting in one place. These are the areas we coordinate for clients across Connecticut, always working alongside your tax professional.

Tax-Aware Investing

Asset location across taxable and tax-advantaged accounts, loss harvesting where appropriate, and coordination with your CPA on realized gains and distributions.

Retirement Withdrawal Sequencing

A strategy that draws income across taxable, tax-deferred, and tax-free accounts in an order designed to help your savings last and keep taxes in view.

Roth Conversion Analysis

We model whether and when converting a portion of a traditional IRA may fit your situation, weighing today's brackets against your longer-term income picture with your CPA.

Required Minimum Distribution Management

Planning around the age-73 RMD rules so distributions are handled deliberately rather than as a year-end surprise, in coordination with your tax professional.

Concentrated Position Strategies

Thoughtful approaches for executives and founders holding significant single-stock exposure, weighing diversification, taxes, and any applicable restrictions.

Estate And Gifting Coordination

We work with your estate attorney so beneficiary designations, gifting decisions, and trust* structures reflect their tax impact across generations.

Coordination With Your Professionals

We work directly with your CPA, estate attorney, and insurance professionals so tax-sensitive decisions reflect your full picture and are carried through to execution. If you need a specialist you do not yet have, our Strategic Relationships connect you with an established network of professionals we coordinate with regularly.

*Trust services are available through The Private Trust Company N.A., an affiliate of LPL Financial. True Compass Advisors does not provide tax or legal advice.

Why Connecticut Families Work With Us

Choosing an advisor to help coordinate the tax side of your plan is a decision about trust, process, and fit. Our value comes from a tenured team, an independent structure, and a coordinated approach that treats taxes as part of a complete plan rather than an afterthought.

We are an independent Southbury, Connecticut firm aligned with a national partner, so you get personal relationships alongside the technology and research of a national platform.

  • Advisory Accounts, Advisory Standard

    When we provide ongoing investment advisory services through LPL Financial, a registered investment advisor, we are held to a fiduciary standard of care for that advisory relationship.

  • Coordinated With Your CPA

    We do not provide tax advice. We work directly with your tax professional so financial and tax decisions stay aligned.

  • Independent, With National Resources

    Securities and advisory services are offered through LPL Financial, Member FINRA/SIPC. Our independence means no proprietary product requirements.

  • Rooted On Main Street In Southbury

    Our team lives and works in the communities we serve, and we meet with clients face to face at 900 Main Street South.

Jared D. White, Founder and CEO

Jared D. White

Founder & CEO

With more than 20 years in financial services, Jared founded True Compass Advisors to bring coordinated, family-office-style planning to individuals and families across Connecticut.

Harrison Graham, CFP, Lead Financial Advisor

Harrison Graham, CFP®

Lead Financial Advisor

A CERTIFIED FINANCIAL PLANNER™ professional holding Series 7 and Series 66 licenses with LPL Financial, guiding clients through retirement, education, and major life transitions.

Laura Maguire, Senior Investment Analyst

Laura Maguire

Senior Investment Analyst

In financial services since 1985, Laura focuses on advisory account monitoring, investment analysis, and model maintenance, holding the Series 7, 63, and 65 registrations with LPL Financial.

Areas We Serve Across Connecticut

Our office is located at 900 Main Street South, Building 2, Suite 200 in Southbury, Connecticut. We coordinate tax-aware planning for individuals and families throughout western Connecticut and statewide, including:

  • Southbury
  • Woodbury
  • Middlebury
  • Oxford
  • Newtown
  • Bethel
  • Danbury
  • Waterbury
  • Brookfield
  • Roxbury
  • Watertown
  • Naugatuck

True Compass Advisors
900 Main Street South, Building 2, Suite 200
Southbury, CT 06488
Office: 860-955-3535  |  Toll-Free: 833-953-7053
Office hours: Monday through Friday, 8:30 AM to 4:30 PM.

Request A Consultation With A True Compass Advisor

If you want the tax side of your plan coordinated with your investments, retirement income, and estate strategy, we would welcome a conversation. Share a few details and we will reach out to schedule a time that works for you. When you call our office, you reach a person, not a machine.

Request A Consultation Prefer to talk now? Call 860-955-3535

Frequently Asked Questions

Does True Compass Advisors prepare my taxes or give tax advice?

No. We are not a tax preparation firm and we do not provide tax or legal advice. What we do is bring tax awareness into your financial plan and coordinate directly with your CPA or tax preparer, so investment, retirement, and estate decisions reflect their tax impact. If you do not have a tax professional, our Strategic Relationships can connect you with one.

What does tax-aware planning at True Compass Advisors include?

Our coordination includes tax-aware investing through asset location and loss harvesting, retirement withdrawal sequencing, Roth conversion analysis, required minimum distribution planning, concentrated stock position strategies, and estate and gifting coordination. Each of these is handled alongside your tax professional as part of a complete plan rather than as a stand-alone decision.

How does tax planning connect to my investments and retirement plan?

Where an asset is held, when a gain is realized, and the order in which you draw income all carry tax consequences. We manage your portfolio and retirement income strategy with those consequences in view, coordinating with your CPA on items like realized gains, distributions, and Roth conversions so the financial plan and the tax plan stay aligned.

How are your services structured and how do fees work?

We provide transparent, fee-based investment management and planning. Advisory accounts are typically charged an ongoing fee based on the assets we manage for you, disclosed in your advisory agreement before you engage us, and we review all costs with you in plain language during your initial consultation. Securities and advisory services are offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. The LPL Financial Form CRS describes the fee structures in detail.

What areas do you serve?

We serve clients from our Southbury, Connecticut office at 900 Main Street South, including the surrounding communities of Woodbury, Middlebury, Oxford, Newtown, Bethel, Danbury, Waterbury, Brookfield, Roxbury, Watertown, and Naugatuck, and clients across Connecticut. We also work with clients in other states by phone or video, subject to state registration requirements.

How do I get started?

Start with an introductory conversation by calling 860-955-3535 or requesting a consultation through our contact page. In a first meeting we listen to your goals, review your current accounts and tax picture at a high level, and explain how we would coordinate with your tax professional. There is no obligation, and you will leave with a clear understanding of what working together would look like.