How We Help
Tax Planning
Tax Planning in Charleston, SC
Keep more of what you earn and what you've built — with a year-round, fiduciary tax strategy.
Most people only think about taxes once a year. Real tax planning happens year-round and looks years ahead. As an independent, fee-only fiduciary in Charleston, Bellerophon builds tax strategy into every financial decision and coordinates closely with your CPA — so you’re not just filing returns, you’re lowering your lifetime tax bill. We provide tax-planning strategy, not tax preparation, and work alongside your CPA.
What Tax Planning Covers
Tax-Efficient Investing
Asset location, tax-loss harvesting, and smart use of taxable, tax-deferred, and Roth accounts to reduce the drag taxes put on your returns.
Roth Conversion Strategy
We model multi-year Roth conversions to take advantage of lower-tax years and reduce taxes over your lifetime — and your heirs'.
Withdrawal Sequencing
Which accounts to draw from, and when, to smooth your tax bracket across retirement instead of spiking it in any one year.
Equity Compensation
Timing RSUs, options, and concentrated positions to manage your tax exposure as you diversify out of company stock.
Charitable & Gifting Strategy
Donor-advised funds, QCDs, and appreciated-asset gifts that support your causes and cut your tax bill.
Business Owner Tax Strategy
Entity structure, retirement-plan design including cash balance plans, and a tax-smart exit — coordinated with your CPA.
Built for High Earners & Business Owners
The more you earn, the more your tax strategy is worth — and the more there is to coordinate.
High-Income Professionals
Executives and professionals face equity comp, high brackets, and IRMAA surcharges. We plan ahead so a big year doesn't become a big tax surprise.
Business Owners
From cash balance plans that shelter six figures to a tax-efficient sale, we build tax strategy into your business and personal plan.
Why It Works
As an independent, fee-only fiduciary, we’re paid only by you. We build tax strategy into every recommendation and quarterback the coordination with your CPA — so the planning and the filing actually work together, all year long.