Taxes touch nearly every financial decision you make. Without a plan, they can feel like a puzzle—complex, frustrating, and costly. With the right plan, taxes become less of a burden and more of an opportunity: a way to protect your wealth, support your goals, and build the future you want.
At Century Management, we integrate tax awareness into every part of your financial life. The goal? Helping you make smart choices that keep more of your money working for you, your family, and your future.
➤ Keeping more of your hard-earned money in your pocket
➤ Avoiding unnecessary penalties or tax surprises
➤ Building long-term strategies that support retirement, business growth, or a family legacy
It’s not just about saving today—it’s about shaping a lifetime of tax-aware decisions.
Avoid These Planning Pitfalls
❌ Selling investments without accounting for short-term versus long-term capital gains
❌Owning mutual funds that kick off large, taxable distributions every year
❌Rebalancing a portfolio in ways that trigger unnecessary taxes
❌ Missing out on the tax advantages of fully funding retirement accounts like 401(k)s and IRAs
❌ Ignoring opportunities to manage tax brackets—failing to intentionally fill lower brackets today and ending up in higher ones tomorrow
❌ Freezing assets too late, waiting until after significant growth has occurred, locking future appreciation inside a taxable estate
❌ Making charitable gifts in tax-inefficient ways—using cash when appreciated securities, donor-advised funds, or qualified charitable distributions may deliver more benefit
❌ As a business owner, not maximizing retirement plan design—for example, only using a traditional 401(k) when adding a cash balance or defined benefit plan, in addition to, or instead of, the 401(k), may offer the potential for greater advantages.
❌ Drawing retirement income in the wrong order—tapping taxable, tax-deferred, and Roth accounts without a coordinated plan
❌ Not planning ahead for major events—such as selling a business, receiving an inheritance, or exercising stock options—without a coordinated tax strategy
Work with our team to create strategies that maximize your tax efficiency. Here’s how:
- Manage capital gains by timing investments to reduce tax impact.
- Handle low-cost basis investments with gradual sales, charitable gifting, trusts, or structured collars.
- Optimize retirement contributions—deciding between a traditional IRA, Roth IRA, or 401(k) to lower taxes today and build tax-free income later.
- Assess Roth conversions for long-term tax efficiency and guidance on the optimal approach.
- Design business retirement plans—from 401(k)s to defined benefit plans—that maximize tax advantages while supporting business goals.
- Review education savings options for tax-free withdrawals on qualified expenses.
- Align charitable giving with meaningful tax benefits.
- Incorporate estate & legacy planning tools like trusts or estate-freeze strategies to reduce taxable growth.
- Coordinate retirement income to manage the tax impact on Social Security and Medicare.
- Navigate stock options and equity compensation with a focus on both opportunity and tax efficiency.
What Really Matters
Taxes don’t have to be the enemy. With Century Management, they become another tool to help you live with clarity and confidence—whether you’re saving for retirement, running a business, or leaving a legacy.
Let’s turn tax complexity into tax clarity. Schedule a consultation to see how thoughtful planning can keep more of your money working for you.
