2025 Tax Planning Strategies for Sandia Labs Professionals
Tax-Smart Wealth Building: How to Grow More and Keep More
Building wealth is about more than just saving and investing.
It's about keeping more of what you earn — by designing your strategy with taxes in mind at every step.
TL;DR: Tax-Smart Wealth Building in Three Big Ideas
💡 Optimize Account Types
— Use the right mix of tax-deferred, tax-free, and taxable accounts to manage today's taxes and tomorrow’s opportunities.🔄 Strategic Withdrawals and Contributions
— Plan IRA contributions, Roth conversions, and withdrawal sequences to minimize lifetime tax bills.🧠 Plan Ahead, Not After the Fact
— True tax-smart wealth building happens before transactions — not when filing returns the next year.
Where You Save Is as Important as How Much You Save
Planning for long-term tax savings means utilizing different types of investment accounts. At this point in your financial journey, you may already have the three main account types:
Roth 401(k) or IRA set up earlier in career when income was lower
Traditional 401(k) or IRA
Taxable Brokerage Account
Having all three accounts means you can match the investment profile to the taxable status of the account. The value is in holding your least tax-efficient investments in your tax-deferred accounts, where you won't pay taxes. Taxable accounts should hold more tax-efficient investments.
How I Help Clients Build Tax-Smart Wealth at Grinstead Wealth Management
At Grinstead Wealth Management, tax planning isn't an afterthought — it's integrated into every step of the financial planning process:
1. Strategic Account Structuring
We guide you on where to save — not just how much — balancing taxable, tax-deferred, and Roth assets based on your goals and future needs.
2. Proactive Tax Strategy Throughout Your Life
From career peak years to retirement income planning, we help you adjust your strategy based on new laws, income changes, and opportunities like Roth conversions or tax-loss harvesting.
3. Coordination with Your Entire Financial Life
Taxes don't live in a silo. We help align your investment strategy, withdrawal plans, estate planning, and charitable giving — all through a tax lens — so every piece fits together efficiently.
What Makes Our Approach Different
Many advisors treat taxes like a once-a-year review.
At Grinstead Wealth Management, we treat tax strategy as an ongoing, active advantage — giving you the best chance to maximize what you build and protect what you've earned.
📈 Active planning throughout the year — not just at tax time
🔎 Attention to detail with your full financial picture
🤝 Personalized strategies — not prepackaged advice
Ready to Build Tax-Smart Wealth?
If you're ready to think beyond saving — and start building wealth more intelligently — let's talk.
We’ll create a strategy that keeps more dollars working for you, year after year.
📞 Schedule Your Free Financial Check-in today
No pressure, just clear guidance.
As income increases, it becomes even more essential to ensure that you are optimizing your tax planning. And a good tax plan doesn't just happen in April every year. Proactive planning during the year, and a strategic plan that takes a multi-year view, can make a big difference in keeping your lifetime taxes as low as possible.
Financial planning used to be something that people did at retirement to convert their savings into income.
But lifestyles look different now, and the retirement trajectory is much shorter for many people.
Starting early on your financial plan makes sense, and tax planning is a big part of building wealth that will last.
More on Taxes…
