For high-income earners

Tax planning for high-income earners, done during the year.

A large W-2 leaves fewer deductions on the table than a business does — which is exactly why the ones that remain matter: equity compensation timing, retirement and Roth strategy, charitable giving, state residency, and investments structured to offset wages. We plan them with you while the year can still be changed, put the projected savings in writing, and prepare the return.

Book a free consultation See what we plan for

Founder-led

Vince Mongio
CPA · EA · CIA · CFE · MACC

The deliverable

A written plan with each strategy’s projected tax effect in dollars

The return

Form 1040 with equity compensation, multi-state, K-1, and rental schedules, prepared in-house

Virtual, nationwide

Based in Miami; meetings by video or phone with clients across the country

What we plan for

Six places a high earner’s tax bill is actually decided.

Withholding handles the easy part. These are the decisions that move the number, and most of them close on December 31.

For most high earners the question is not whether there are deductions left. It is whether the timing of equity, giving, retirement contributions, and state residency was decided on purpose, or simply happened.

Likely a fit if you

Earn $250,000 or more in wages, bonus, and equity, or will this year
Receive RSUs, stock options, or ESPP shares, and are not sure what the withholding missed
Have maxed the 401(k) and want to know what comes next — backdoor Roth, mega-backdoor Roth, HSA, deferred compensation
Give to charity, own or are considering rental property, or are moving between states

Book a free consultation

Bring last year’s return and a recent pay stub. You will know on the first call whether planning is likely to pay for itself.

What a high-earner engagement covers

Six questions, answered in writing with the numbers attached.

01

Equity compensation

RSUs are taxed as wages at vest and usually under-withheld at the flat supplemental rate, ISOs can trigger the alternative minimum tax, and ESPP shares have disposition rules of their own. We project each vest and exercise, set withholding and estimated payments so April holds no surprises, and time sales with the tax cost known in advance.
02

Retirement and Roth strategy

The 401(k) is the first layer, not the last. Backdoor Roth contributions, mega-backdoor Roth through after-tax 401(k) contributions where the plan allows it, HSA contributions, and nonqualified deferred compensation each add tax-advantaged room — and each has a rule that catches people, starting with the pro-rata rule on IRA balances.
03

Charitable giving, timed

Bunching several years of giving into one through a donor-advised fund, giving appreciated stock instead of cash, and planning around the rules that took effect in 2026: a floor of 0.5% of income on itemized charitable deductions and a cap on their value for taxpayers in the top bracket. Which year you give in now changes what a gift is worth.
04

Investment income

The 3.8% net investment income tax, qualified dividends, capital-gain timing, and loss harvesting that respects the wash-sale rule across every account you own. Where interest-bearing assets sit — taxable, IRA, Roth — is a tax decision we make explicitly.
05

Real estate that offsets wages

Rental losses normally cannot touch W-2 income. A short-term rental you materially participate in can, and 100% bonus depreciation makes the first-year number large. We model whether the strategy fits your facts before you buy, not after. Read how it works.
06

State residency and multi-state income

Moving to Florida, or working in one state and living in another, changes the bill — but only if domicile, days, and the paperwork hold up to the former state’s audit. We plan the move, document it, and prepare the part-year and nonresident returns that follow.

How it works

Three steps from first call to a working plan.

Discovery

A review of your last two returns, recent pay stubs and equity statements, and what is ahead. You will know from the first conversation whether planning is likely to pay for itself.

Written strategy

A plan that lists each recommended strategy, what it requires from you, and its projected tax effect in dollars — so decisions are made with numbers, not guesses.

Implementation and check-ins

We coordinate with your financial advisor, your employer’s plan administrator, and your attorney, check in each quarter — before each vest, bonus, or gift — and prepare the return when the year closes.

Questions

Before you book.

I only have a W-2. Is there really anything to plan?

More than most people expect once equity compensation, a bonus, or a spouse’s business is involved: withholding that misses the real rate, Roth room that goes unused, giving done in the wrong year, a state move that was never documented. If your situation is a single W-2 and a standard deduction, we will say so on the first call and point you somewhere less expensive.

My RSUs vested and the withholding looked high. Why do I still owe in April?

Because employers withhold on vested RSUs at a flat supplemental rate — 22%, rising to 37% only once supplemental wages pass $1 million in the year — while the vest is taxed at your actual marginal rate. The gap shows up as a balance due. Planning sets estimated payments or additional withholding as each vest approaches.

Is a backdoor Roth still allowed?

Yes. A nondeductible traditional IRA contribution followed by a conversion remains available, as does the mega-backdoor Roth through after-tax 401(k) contributions where the plan permits in-plan conversions or in-service withdrawals. The catch is the pro-rata rule: existing pre-tax IRA balances make part of each conversion taxable, which is why we look at the whole picture before the first contribution.

Do you prepare the return as well?

Yes. We prepare the Form 1040 with the equity compensation basis adjustments, multi-state allocations, K-1s, and rental schedules done correctly — the same team that built the plan — so the strategy actually lands on the filing. Preparation is included for planning clients.

Get started

Book a free 30-minute consultation.

A focused conversation about your income picture, your equity and benefits, what is changing this year, and whether a planning engagement would pay for itself. Pick any open time on the calendar.

What happens on the call

1
You describe your situation.Your income picture, what changed this year, and what you want to happen next. About ten minutes.
2
You get a first read.Which strategies likely apply to you, which do not, and roughly what they could be worth.
3
You leave with a clear answer.Whether planning would pay for itself, what an engagement costs, and what happens next. No pressure either way, and no fee for the call.

Who you'll meet: Vince Mongio, CPA, EA, CIA, CFE, MACC. The founder takes every call and reviews every plan personally.
What to bring: Nothing beyond your most recent return, if you have it handy.
Where: By video or phone. Based in Miami, working with clients nationwide.

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