Forward planning
Tax-Aware Wealth Management
We look forward. Our approach to wealth management is proactive, tax-aware, and designed years in advance. We build tax strategy into your plan from the beginning, then coordinate with your tax advisors to execute.
One principal. One operator.
Small on purpose. Advice is everywhere, execution is rare.
Forward Financial is designed around two people, and the distinction between them is the design. Clark leads the relationship and the planning. Meghan works directly with every client, turning each decision into action and keeping every moving piece aligned along the way. No junior staff, no handoff after the first meeting. We’ve curated industry-leading custody, research, and planning infrastructure. The resources are institutional. The relationship is not.Nine areas. One lens.
Tax runs through all of it.
Investments, taxes, cash flow management, and the decisions in between are constantly influencing one another. We plan the areas below as one connected set, in the years before those decisions land, so the tax result is planned rather than discovered.Ongoing Tax Management
Tax planning doesn’t happen once a year. Losses are harvested as markets move up or down, not hunted for in December. Those losses can accumulate to offset gains elsewhere: a property sale, an equity vest, a rebalance. We continuously look for opportunities to harvest losses, improve asset location, and make investment decisions that help reduce taxes over time.Pre-Liquidity Planning
A business, a building, a private investment coming due, or a position held so long the gain makes it hard to sell can all create significant tax consequences. What the sale costs is largely decided before it closes, while the timing, the structure, and the amount of loss already banked against it may still be changed.Executive Compensation
Vesting schedules, option exercises, and deferral elections each land in a tax year, and the year in which they land is often a choice. The concentration that builds up alongside them can be a separate problem with its own answer.Ordinary Income Planning
Wages, bonuses, and pass-through income are taxed at potentially higher rates, which makes their timing, their structure, and where they are recognized financially significant.Retirement Plan Design
For an owner or a partner, the plan itself is a tax decision: how it is designed determines how much goes in, whether it goes in before or after tax, and what rate applies when it comes back out.Sustainable Spending
When income stops depending on a career and starts depending on what you own, one question matters: how much can be spent each year, after tax. That gets modeled rather than estimated, and the order in which accounts are funded today and drawn from later can change the answer.Estate and Wealth Transfer
Attorneys draft the documents. The tax work runs alongside them: what to gift now, what to hold until the basis resets at death, and whether the titling and beneficiary designations match the plan.Risk Management
Cash flow is often a household's most important financial resource. Premature death, sickness or injury, and lawsuits are three things that can interrupt it, and each should be planned for.Implementation
A financial plan creates value when it’s implemented. Every recommendation has a next step, an owner, and a timeline. We coordinate with your CPA, attorney, and other professionals, following through on each step until the action item is complete.Frequently Asked Questions
How do you work with clients?
Most arrive through an introduction from current clients, other professional advisors we work alongside, or people we have met through organic relationships. Many meetings happen by video because that is what busy schedules allow.