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Tax Strategy

Individual Tax Optimization
Keep More of What You Earn.

High-income individuals and investors leave money on the table every year. We implement legal strategies that reduce your effective tax rate — this year and every year after.
Sam BrotmanSam Brotman, J.D., LL.M.
Last updated July 2026

Key Takeaway

High-income individuals who plan proactively can reduce their effective tax rates by 10-20 percentage points through legal strategies. Tax optimization is a year-round discipline, not a once-a-year filing exercise.

Your Tax Return Is a Snapshot. Your Tax Strategy Should Be a Plan.

If you’re earning $500K+ and your only tax strategy is maximizing deductions at filing time, you’re probably overpaying by tens of thousands of dollars. Real tax optimization happens year-round through deliberate planning — not last-minute scrambling.
Investment income, capital gains, rental properties, stock options, retirement distributions, charitable giving — each of these has specific tax treatment that can be optimized with proper planning. The difference between a tax preparer and a tax strategist is the difference between reporting what happened and controlling what happens.
We work with high-net-worth individuals, executives, investors, and retirees to build comprehensive personal tax strategies that compound savings year after year.

From Our Practice

In our practice, we’ve helped high-income individuals reduce their effective tax rates by 10-20 percentage points through legal strategies including entity structuring, timing of income recognition, charitable planning, and retirement contribution optimization. Tax planning is not a one-time event — it’s a year-round discipline.

Talk to a Tax Attorney

Free 15-minute call. No obligation. We'll tell you exactly where you stand.

Book Your Free 15-Minute Call
(619) 378-3138

What We Do

Individual Tax Services

Income Tax Planning

Year-round income timing, deduction optimization, and bracket management strategies that reduce your effective federal and state tax rate.

Capital Gains Strategies

Tax-loss harvesting, qualified opportunity zones, installment sales, and charitable remainder trusts to manage capital gains tax on investments and property sales.

Retirement Distribution Planning

Roth conversions, required minimum distribution strategies, and pension optimization to minimize taxes on retirement income while maximizing wealth.

Stock Option & RSU Planning

ISO vs. NSO exercise timing, AMT management, and 83(b) election analysis for executives with equity compensation.

Charitable Giving Strategies

Donor-advised funds, charitable remainder trusts, and qualified charitable distributions that maximize both tax savings and philanthropic impact.

Estate & Gift Tax Planning

Lifetime gifting strategies, trust structures, and estate freeze techniques to minimize transfer taxes and protect wealth for future generations.

How It Works

Personal Tax Strategy: Explained

How is this different from what my accountant does?
Your accountant prepares your return based on what already happened. We plan what should happen — structuring your income, investments, and deductions throughout the year to minimize your tax burden before your accountant ever touches the return.
The best tax strategies are implemented months or years before filing. We work proactively, not reactively.
For individuals earning $500K+, we typically identify $30,000 to $100,000+ in annual savings through a combination of income timing, investment structuring, retirement optimization, and charitable planning. The exact amount depends on your income sources and financial goals.
Both — but for different things. Financial advisors help you grow wealth. Tax attorneys help you keep it. Many of the most powerful tax strategies require legal implementation: trust creation, entity structuring, qualified plan design, and regulatory compliance.
We coordinate with your financial advisor and CPA to ensure all three disciplines work together toward the same goal.
January is ideal, but any time is better than April. Many strategies — Roth conversions, estimated tax payments, charitable contributions, investment rebalancing — have optimal timing windows throughout the year. The earlier you engage, the more options are available.

Talk to a Tax Attorney

Not Sure Where You Stand?

Schedule a free 15-minute call. We’ll assess your situation, outline your options, and tell you exactly what to expect — no obligation.
Book Your Free Call

or call (619) 378-3138

Why Brotman Law

Personal Tax Strategy From Tax Attorneys

High-Income Focus

We work exclusively with high-income individuals and business owners. Our strategies are designed for complex financial situations.

Legal Implementation

Many tax strategies require legal documents — trusts, entities, plans. We design and implement everything.

Year-Round Service

Tax planning isn't seasonal. We monitor your situation throughout the year and adjust strategies as circumstances change.

Audit-Proof Planning

Every strategy we implement is defensible. We've defended hundreds of audits and know what the IRS targets.

Coordinated Approach

We work with your CPA and financial advisor to ensure alignment across all aspects of your financial life.

Confidential & Protected

Everything you share with us is protected by attorney-client privilege — a level of protection CPAs and advisors can't offer.

Learn More

Personal Tax Guides & Resources

Free Guide

Tax Strategies

Browse our library of tax planning strategies for individuals and investors.

  • Read the Guide

Free Guide

Business Tax Optimization

Own a business? Optimize your business and personal taxes together.

  • Read the Guide

Free Guide

Residency & Multi-State Tax

Moving or earning income in multiple states? Understand the tax implications.

  • Read the Guide

Free Guide

Read our CA Residency Guide

A comprehensive, attorney-written resource covering everything you need to know about this topic.
Related services: Individual Tax Optimization • Residency & Multi-State Tax • Exit Planning

Also consider: IRS Audits • Criminal Tax Defense

Frequently Asked Questions

Individual Tax FAQs

How much do I need to earn for tax optimization to be worth it?
Most of our individual clients earn $500K+ annually. At this level, the savings from strategic planning typically far exceed our fees. However, individuals with significant capital gains, stock options, or complex investment portfolios may benefit at lower income levels.
Yes. Roth conversion planning is one of our core strategies. We analyze your current and projected tax brackets, model conversion scenarios, and identify optimal conversion amounts and timing to minimize lifetime tax burden.
We handle the tax aspects of estate planning — gifting strategies, trust structures, and transfer tax minimization. For the legal documents themselves, we coordinate with estate planning attorneys to ensure the tax strategy is properly implemented.
We help clients with crypto tax planning including tax-loss harvesting, long-term vs. short-term capital gains optimization, and compliance with IRS reporting requirements. For complex crypto situations, see our dedicated cryptocurrency tax practice.
We recommend quarterly check-ins and a comprehensive annual review. Life events (marriage, divorce, business sale, inheritance) should trigger an immediate review of your tax strategy.
Absolutely. Tax optimization uses legal provisions of the tax code to minimize your burden. It is completely different from tax evasion, which is illegal. Every strategy we implement is supported by specific tax code provisions and is fully defensible.

As Featured In & Recognized By

Forbes Business Council

Get Started Today

Book Your Free 15-Minute Call

Schedule a brief call with our team to discuss your situation. We’ll assess where things stand and outline your options — confidentially and without obligation.
  • Completely confidential — protected by attorney-client privilege
  • Every situation is different — you'll receive a custom assessment tailored to yours
  • Same-day and next-day appointments available
Book Your Free 15-Minute Call
or call us directly
(619) 378-3138
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