top of page
Sport Tactics

Tax Strategies


Our government wants you to reach your goals, start investing in a Tax-Efficient way today!

*The following is for educational purposes only and should not be considered as tax advice. 

College Financial Advisor
Retirement Financial Advisor
Health Insurance Expert

Saving for College

Saving for Retirement

Saving for Healthcare

Oregon Capital Gains

Worried About Capital Gains

Business Owner Financial Advisor
Real Estate Financial Advisor
Auto Insurance Financial Advisor

Own a Business

Own a Home

Need to Buy a Car

529 College Savings Plan

Designed to help families save and invest money in a tax-deferred vehicle to pay for college expenses such as:





Tax Advantages of 529 College Savings Plans

Tax-deferred growth

Tax-free withdrawals for qualified expenses

Oregon tax Credit

Oregon residents may qualify for up to a
$340 Tax Credit (2023) for making contributions 

Saving for College

Saving for College

There are many ways to save for college expenses, but some come with potentially huge tax savings!

Saving for Retirement
Planting a Plant

Saving for Retirement

Let us help you accelerate your retirement savings with tax-advantaged accounts.

Types & Treatment of Tax Preferenced Accounts



Growth in the account

Pre-tax or Tax Deductible



Health Savings Accounts (HSAs)

Traditional Retirement Accounts

Roth Retirement Accounts

529 Plans (College or ABLE)

Non-Qualified Annuities

Roth IRA

Why choose a Roth IRA?

  • If you expect to be in a lower tax bracket now and a higher tax bracket in retirement.

  • If you need the flexibility to withdraw your contributions at any time without owing taxes or penalties.

Why you might avoid a Roth IRA?

  • Roth IRA contribution limits are reduced or eliminated at higher incomes.

Traditional IRA

Why choose a Traditional IRA?

  • If you expect to be in a higher tax bracket now and a lower tax bracket in retirement.

  • If you need the tax-break today.

Why you might avoid a Traditional IRA?

  • There are Required Minimum Distributions

  • There is a 10% tax penalty for early withdrawals for non-qualified reasons. 

Employer Sponsored Accounts

What are Employer Sponsored Accounts?

  • These are opened only by employers and their specifics vary

  • Try to contribute enough to get the max. match, at least, if offered.

  • You cannot contribute if you leave employer

If your employer doesn't offer a retirement program..

  • You might be eligible for Oregon Saves

Saver's Tax Credit

You might be able to receive tax credits for making contributions to qualified retirement plans and Able accounts. 

Saver's Credit Income Limits (2022)

Up to 50%

of contribution

$0 - $21,750

$0 - $32,625

$0 - $43,500


of contribution

$21,751 - $23.750

$32,626 - $35,625

$43,501 - $47,500


of contribution

$23,751 - $36,500

$35,626 - $54,750

$47,501 - $73,000


of contribution

more than $34,000

more than $54,750

more than $73,000

  • Triple Tax Benefits 

    1. Contribute pre-tax money

    2. Enjoy tax-free growth

    3. Withdrawals for qualified uses are tax-free

  • The "Health IRA"

    • It can be used to help boost retirement savings

    • Contributions can often be invested into funds

    • No Required Minimum Distributions (RMDs)

  • Flexible

    • Uses include: co-pays, deductibles, etc.

    • Unused funds rollover to the next year

    • You own it so it's portable

  • It is an arrangement through your employer that lets you pay for many out-of-pocket medical expenses with tax-free dollars.

  • What's the advantage to the employee?

    • Contributions are pre-tax

    • Can make incremental contributions, but can still use the full annual amount right away


  • What's the advantage for employers?

    • Can choose to contribute or not

    • Can choose to allow some unused money to rollover

  • The employer funds and owns the arrangement.


  • What's the advantage to the employee?

    • Employer contributions are not part of wages, so they are tax-free

    • Unused money may rollover, employer decides how much

  • What's the advantage for employers?

    • Contributions are tax deductible

    • Can choose which qualified medical expenses money can be used for

    • Can choose if money rolls over at the  end of the year

Saving for Healthcare

Saving for Healthcare

Tax-advantaged accounts that allow you to save specifically for medical costs


Worried About Capital Gains

From the sale of a rental, to the sale of stocks or bonds - we have solutions for you.

A 1031 Exchange uses a Qualified Intermediary to defer taxes on the sale of real-estate by reinvesting the proceeds within a limited window of time. 

1031 Exchange

The problem with 1031 exchanges today is...

finding appropriate new investment properties within the 45-day window.

Here are some passive solutions that can bypass this problem

allowing you to defer or even eliminate some capital gains taxes (OZF) .

They take the place of direct property ownership.

Traditional Direct Property Ownership

Oportunity Zone Funds

DSTs allow for fractional ownership of a portfolio of properties, which qualifies as replacement property in a 1031 exchange.

Advantages of DSTs

  • No management responsibilities 

  • Access to institutional-quality property

  • Limited personal liability

  • Lower minimum investments

  • Eliminates "boot" (left over capital gains)

1031 Exchange
1031 Reits
1031 Exchange

UpREITs use a 721 Exchange to allow an investor to defer capital gains taxes while relinquishing control (Operating Partnership Units) of a property to acquiring shares in a REIT, this can result in a more liquid and easily divided investment. 

Advantages of UpREITS

  • Diversification

  • Tax Deferral

  • Limited Liquidity

  • True Passive Investing

  • Estate Planning


Opportunity Zone Funds

Taxpayers who invest in Qualified Opportunity Funds can temporarily defer tax on the amount of eligible gains they invest.

Oregon Oportunity Fund Zones

Here are a few things you will need to know before you get started with a 1031 Exchange:

  1. Loan-to-value ratio on the property 

  2. Do you have co-owners of the property?

  3. Have you sold a business in the past 180 days?

  4. Is there 1031 language in the sales contract?

  5. Is the property under contract?

  6. If the property sold, is there a closing date scheduled?

Worried About Capital Gains
Own a Business

Own a Business

Save money while providing you and your employees Healthcare, Retirement, Long-term Care

Opporunity Zone


The Small Business Health Options Program (SHOP) is for small employers who want to provide health and/or dental insurance to their employees.




You may qualify for the Small Business Health Care Tax Credit that could be worth up to 50% of the costs you pay for your employees' premiums

See if you qualify for the tax credit:

  • You have fewer than 25 full-time equivalent (FTE) employees

  • Your average employee salary is about $50,000 per year or less

  • You pay at least 50% of your full-time employees' premium costs

  • You offer SHOP coverage to all of your full-time employees. (You don't have to offer it to dependents or employees working fewer than 30 hours per week to qualify for the tax credit.)

Long-Term Care Insurance

By paying your tax-qualified LTC Insurance premiums through your business, you'll benefit in several ways:

1. Your premiums will be deductible as a business expense within certain limits (see below)

2. Your premiums will not be subject to payroll taxes

3. You will not be subject to the 10% threshold in order to deduct

Long-Term Care Insurance Tax Benefits (Based on Age)

Age before the close of taxable year

Premium Deduction Limit 2022

40 or younger


between 40 - 50


between 50 - 60


between 60 - 70


70 or older

up to $5,960

Retirement Accounts

We can help set-up and manage retirement accounts for your employees. Not only will this help you hire and retain quality talent, it also has the following tax benefits:​

Contributions to qualified retirement accounts by an employer on behalf of the employee are tax deductible.

Higher contribution limits than IRAs allowing for maximizing your tax advantages. 

Own a Home

Own a Home

Upgrading energy efficiency in your home may lead to energy savings, 0% APR loans, and tax credits

SUB: Up to a $800 rebate or $7,000 0% interest loan

EWEB: Up to a $800 rebate or $4,000 0% interest loan

EPUD: Up to a $2,000 cash rebate or $10,000 0% interest loan

Federal Tax Credit: $300

EWEB: Up to a $800 rebate or $2,500 0% interest loan

EPUD: Up to a $800 cash rebate or $1,200 0% interest loan

Federal Tax Credit: $300

SUB: $1/SF not to exceed 50% of cost or $4,000 0% interest loan

EWEB: $0.80/SF not to exceed 50% of cost or $4,000 0% interest loan

EPUD: $1/SF not to exceed 50% of cost or 0% financing up to $5,000

Federal Tax Credit: 10% of the cost, up to $500 (not including installation)

Federal Tax Credit: 10% of the cost, up to $500, but windows are capped at $200 (not including installation).

ENERGY STAR® certified washer rebate: Up to $50

ENERGY STAR® certified dryer rebate: Up to $50

EWEB: Maximum incentive of $2,500

Oregon Solar + Storage Rebate Program: Up to a $5,000 rebate

Federal Tax Credit: 26% of the cost of the system

*Incentives vary depending on utility provider*

Need to Buy a Car

Need to Buy a Car

Purchasing an Electric Vehicle may provide you with cost savings while also qualifying for tax credits

Ask us how this may be incorporated into your financial plan!

For a New Electric Vehicle

Up to a $2,500 rebate for a new EV

(Oregon Clean Vehicle Rebate Program)

Federal Tax Credit of up to $7,500

Charging Station

Up to a $500 charging station rebate

(Eugene Water & Electric Board - EWEB)

bottom of page