Broker Check

Tax Planning Services

A CPA who also manages money. CPA Financial Group builds a tax strategy into every financial decision, coordinating tax planning, trust tax work, and your investment plan under one roof so the pieces work together rather than in separate offices.

Request A Tax Planning Consultation Call 949-859-4474
  • 30+ Years Of Combined Experience
  • CPA Advisor Who Is Also A CPA
  • Laguna Hills Serving Orange County, CA
  • LPL Financial Member FINRA/SIPC

Tax Planning That Works With Your Whole Financial Picture

Taxes are not a once-a-year event. The choices you make about your investments, your retirement accounts, a trust, or the sale of a business all carry a tax consequence, and those consequences are far easier to manage when they are planned for in advance.

At CPA Financial Group, tax planning is handled by an advisor who is also a Certified Public Accountant. That means the tax side and the investment side of a decision are weighed together, by the same firm, rather than split between a preparer and an advisor who never speak. The result is a plan where each recommendation is made with its tax effect already in view.

Why Planning Matters

Small timing decisions add up. Which account you draw from first, when you convert to a Roth, how a trust distributes income, and when you realize a gain can each move your taxable income into a different bracket. Planned together and ahead of time, these levers work in your favor; left to chance, they often do the opposite.

37%

The top federal marginal income tax rate for 2026, per the IRS inflation adjustments. Where income lands between brackets is a planning decision.

Age 73

The age most people must begin required minimum distributions under current rules, per the IRS RMD rules. The years before RMDs begin are often the best planning window.

Trusts

Trusts reach the top federal bracket at a far lower income level than individuals, per the IRS Form 1041 guidance, which makes distribution timing and trust tax planning especially valuable.

What Our Tax Planning Covers

Tax work at CPA Financial Group spans planning, preparation, and the trust and estate side, all coordinated with your investment plan. The areas below link to fuller detail where a dedicated page exists.

Trust Tax Planning Fiduciary income tax returns, distribution timing, and coordination between a trust and its beneficiaries, planned alongside the wider tax strategy. Explore trust tax planning → Estate Planning Legacy and transfer strategy for families thinking a generation ahead, kept distinct from trust tax work but coordinated with it. Explore estate planning →
Tax Preparation Accurate individual and business return preparation, informed by the same planning conversations so there are fewer surprises at filing.
Bookkeeping Organized, current books for business owners, so tax position is clear year round rather than reconstructed each spring.
Financial Statement Preparation Clear financial statements for lenders, partners, and planning, prepared with the tax picture in mind.
Tax-Aware Retirement Planning Withdrawal sequencing and Roth conversion timing that manage your bracket year by year, connected to your retirement plan. Explore retirement planning →

What Our Tax Planning Covers

Tax work at CPA Financial Group spans planning, preparation, and the trust and estate side, all coordinated with your investment plan. The areas below link to fuller detail where a dedicated page exists.

Trust Tax Planning Fiduciary income tax returns, distribution timing, and coordination between a trust and its beneficiaries, planned alongside the wider tax strategy. Explore trust tax planning → Estate Planning Legacy and transfer strategy for families thinking a generation ahead, kept distinct from trust tax work but coordinated with it. Explore estate planning →

Tax Preparation Accurate individual and business return preparation, informed by the same planning conversations so there are fewer surprises at filing.
Tax-Aware Retirement Planning Withdrawal sequencing and Roth conversion timing that manage your bracket year by year, connected to your retirement plan. Explore retirement planning →

Why Clients Choose CPA Financial Group For Tax Planning

The difference here is simple: the person planning your investments is also a CPA. Tax is not handed off to another office, it is part of the same conversation.

Christopher Jenkins, CPA, MTax, CRPS

Christopher Jenkins, CPA, MTax, CRPS®

Financial Advisor

For more than 30 years, Chris has combined accounting and investment work in one practice. As a Certified Public Accountant with a Master's in Taxation who advises through LPL Financial, he builds the tax effect of each decision into the plan rather than leaving it for filing season.

Faye Adl

Operations Manager, IRS Enrolled Agent

An IRS Enrolled Agent who has worked alongside Chris since 2004, Faye keeps client tax and operations work organized and moving. Her enrolled-agent credential means she is federally authorized to represent taxpayers before the IRS.

Areas We Serve

Our office sits on Peralta Drive in Laguna Hills, minutes from the 5 and the 405. We meet clients in person here and work remotely with households across Orange County.

Orange County Communities

  • Laguna Hills
  • Irvine
  • Anaheim
  • Santa Ana
  • Laguna Beach
  • Costa Mesa
  • Tustin
  • Dana Point
  • Mission Viejo

CPA Financial Group, Inc.

23232 Peralta Drive, Suite 122
Laguna Hills, CA 92653

949-859-4474

Monday through Friday, 9:00 AM to 5:00 PM.

Request A Consultation

Request A Tax Planning Consultation

If you want your tax strategy and your investments planned by the same firm, we would welcome a conversation. Start with a short call to talk through your situation and what a coordinated plan could look like.

Schedule A Consultation Contact Us

Prefer to talk now? Call 949-859-4474

Frequently Asked Questions

What do tax planning services include?

Tax planning looks ahead at the decisions that shape your tax bill rather than only reporting it after the year ends. At CPA Financial Group it typically covers tax-aware investment and withdrawal strategy, Roth conversion timing, trust tax planning, estate and legacy coordination, tax preparation, bookkeeping, and financial statement preparation. Because the same firm handles both the tax side and the investment side, the pieces are planned together.

How is working with a CPA who is also a financial advisor different?

Most people have a tax preparer in one office and an investment advisor in another, and the two rarely compare notes. Christopher Jenkins is a CPA with a Master's in Taxation who also serves as a financial advisor through LPL Financial, so the tax effect of an investment decision is considered when the decision is made, not discovered the following April.

What is trust tax planning?

Trust tax planning covers the tax reporting and strategy for trusts and estates, including fiduciary income tax returns, distribution planning, and coordination with the beneficiaries' own tax situations. It is handled as a dedicated service and connects back to the broader tax and estate plan. You can read more on our trust tax planning page.

When should I start tax planning?

Tax planning is most valuable before a decision is made, not after. Common moments to start include the years approaching retirement, a liquidity event such as selling a business or property, setting up or administering a trust, or any year your income changes meaningfully. Planning ahead gives more room to manage your bracket and timing.