Advanced tax planning at K&K is the strategy layer that runs before December 31, when income timing, entity structure, and capital event decisions are still live levers. Your CPA files. K&K plans. K&K clients save an average of $54,000 in the space between those two roles.
Filing is backward-looking. Once the calendar year closes, the receipts are written, the entity decisions are made, and the income is recognized. A traditional CPA opens the file, applies the basics their software supports, and books the result. The savings ceiling is whatever the prior year already allowed.
Advanced tax planning is forward-looking. The work happens in the months before the year closes, when income timing, entity structure, retirement contributions, real estate decisions, charitable strategies, and capital event planning are all still live levers. That's where the 98% of potential tax savings lives, in strategies Congress wrote into the code as incentives that sit outside the standard tax software most filing-focused CPAs use.
The two roles aren't competitors. The CPA files. We plan. The plan goes to your CPA so the return reflects the work that was already done, with cleaner inputs and a much lower bill.
Advanced tax planning at K&K runs along three coordinated paths. Each one has its own page with the detail you'd expect; this is the routing layer that helps you find the right starting point.
For W-2 physicians, dual-income executives, and high-earning professionals whose income looks great on paper and gets quietly compressed by the tax code. We map the strategies most filing-only CPAs leave on the table (income timing, retirement structure, real estate, charitable vehicles, equity comp coordination) and hand the implementation list to your CPA. If you've ever asked "is this really all the tax planning that's possible?" and gotten a shrug, this is the page.
For practice owners, founders, and operating-company owners whose tax exposure runs through both their business and their personal return. Entity structuring, capital event planning, owner-comp design, and the strategies that only become relevant once your business is generating real cash flow. This is also where capital event tax mitigation lives, which matters most for owners 0–5 years out from a sale or transition.
For clients whose net worth has grown faster than the legal structure around it. Rental property in your personal name, business interests with no buy-sell, retirement assets without proper trust planning. Asset protection sits at the intersection of tax and legal, which is why it lives inside the tax hub: most of the structuring decisions have tax consequences that get missed when each advisor works alone. K&K coordinates the strategy and facilitates implementation through partner attorneys.
Your CPA stays your CPA. Most traditional CPAs don't do advanced tax planning because their job is compliance and filing. That's a different specialty, with different software and a different cadence. K&K does the planning specialty alongside (not instead of) the existing CPA.
What that looks like in practice: we review the last three years of returns, identify the strategies that fit your income mix and entity structure, model the projected savings, and hand a clean implementation list to your CPA before the year closes. The CPA files; the plan executes; the return reflects the work. If you don't have a CPA you love, we'll make introductions to vetted ones inside the Virtual Family Office network.
Five categories cover the strategies inside the 98%:
When income lands, in what form, and through which entity
Which deductions stack, which ones interact with phase-outs, and which ones are leaving money behind
Federal and state credits most filing-only software never surfaces
The choice between sole prop, S-corp, C-corp, and the multi-entity structures real complexity calls for
Pulling income forward, pushing deductions back, and lining up capital events with the lowest-bracket year on the horizon
Most plans touch four of the five. Some touch all five. The point of the hub is that none of these decisions stay inside the tax silo for long: each one has a wealth, estate, or risk consequence the rest of your team needs to know about.
Yes. Advanced tax planning works inside the strategies Congress wrote into the tax code as incentives. About 98% of the code is built around behaviors lawmakers wanted to reward, and those incentives are fully legal; they're just outside the standard filing software most CPAs use. K&K plans the strategy, your CPA files the return, and everything stays compliant.
A traditional CPA files your taxes after December 31. A tax planner works before year-end to reduce the tax liability that's about to hit your return. K&K is the planning specialty; your CPA remains the filing specialty. The two roles work alongside each other, not in place of each other.
For high earners, almost always. Once your income mix includes equity comp, business interests, real estate, or capital event exposure, the gap between reactive filing and proactive planning compounds quickly. The Proactive Value Review shows you the projected savings before you commit, so the math is on the table from day one.
Deferral, deduction, division, disguise (within the legal frame), and timing-based postponement. They're shorthand for the tactical categories planners use when matching strategies to a client's income, entity structure, and goals. K&K runs through each lens during the discovery and risk assessment phase.
Different specialties. Enrolled Agents focus narrowly on tax representation and planning, while CPAs cover broader accounting and assurance work. Both roles add value. K&K coordinates with your existing CPA or EA — we plan the strategy, they file the return.
We don't replace your CPA. We hand them clean strategies before December 31 so the return they file reflects the planning that was already done. We review your last three years of returns, model the strategies that fit your income mix, and translate the recommendations into an implementation list your CPA can execute. The vetted Virtual Family Office network is available if you ever want a second opinion or a different filer.
or call (804) 372-8307. If you'd rather get a directional read first, our Tax Savings Calculator gives you a starting estimate in a few minutes. We're based in Richmond, Virginia, and serve clients in all 50 states.
Important disclosure: Kotini & Kotini does not file tax returns or provide tax preparation services. Advanced tax planning strategies are designed to coordinate with your existing CPA or EA, who remains responsible for filing your return. Savings figures cited reflect historical client results; individual outcomes vary by income, entity structure, and the strategies that apply to your situation. See our disclosures page for the full coordination model and partner relationships.
