Individual Tax & Financial Planning | Credom & Associates, CPAs

Comprehensive Financial Services for Individuals

Your financial life is complex and interconnected. Our integrated approach ensures all aspects of your financial picture work together harmoniously.

Tax Planning & Preparation

Strategic tax planning and comprehensive preparation for individuals, families, and trusts.

Individual tax returns
Investment tax planning
Alternative minimum tax
Tax controversy support

Estate & Trust Planning

Preserve and transfer wealth efficiently through comprehensive estate planning strategies.

Estate tax planning
Trust administration
Gift tax strategies
Generation-skipping tax

Investment Advisory

Coordinated investment strategies aligned with your financial goals and risk tolerance.

Portfolio analysis
Risk assessment
Asset allocation
Performance monitoring

Retirement Planning

Secure your retirement through comprehensive planning and distribution strategies.

Retirement income planning
IRA/401(k) strategies
Social Security optimization
Required minimum distributions

Real Estate Planning

Strategies for real estate investments, vacation homes, and property transfers.

Rental property taxation
1031 exchanges
Vacation home planning
Property transfer strategies

Insurance & Risk Management

Protect your assets and income through comprehensive risk management strategies.

Life insurance planning
Long-term care planning
Disability insurance
Liability protection

Our Personalized Planning Process

A systematic approach to understanding and achieving your financial objectives.

Discovery & Goal Setting

Comprehensive analysis of your financial situation, values, and long-term objectives.

Financial data gathering
Goal identification
Risk tolerance assessment

Comprehensive Analysis

In-depth review of your current financial position, tax situation, and investment portfolio.

Tax efficiency analysis
Estate planning review
Investment portfolio analysis

Strategy Development

Creation of a customized financial plan addressing all aspects of your financial life.

Strategic recommendations
Implementation roadmap
Action timeline

Implementation & Monitoring

Execution of your financial plan with ongoing monitoring and adjustments as needed.

Plan implementation
Progress monitoring
Regular reviews

Advanced Tax Planning Strategies

Proactive tax planning to minimize liabilities and maximize wealth preservation.

Investment Tax Strategies

Tax-efficient investing strategies to maximize after-tax returns.

Tax-loss harvesting
Asset location optimization
Qualified dividend planning
Capital gains management

Gift & Estate Tax Planning

Strategies to transfer wealth efficiently while minimizing tax impact.

Annual exclusion gifting
Irrevocable life insurance trusts
Grantor retained annuity trusts
Family limited partnerships

Executive Compensation

Tax planning for executives, business owners, and professionals.

Stock option planning
Deferred compensation
Bonus planning
Equity compensation

International Tax Planning

Tax strategies for global citizens and international investments.

Foreign account reporting
Expatriate tax planning
Foreign investment taxation
Treaty planning

Client Profiles We Serve

Tailored solutions for diverse individual financial situations.

Medical Professionals

Tax planning for high-income physicians, dentists, and healthcare executives.

Practice transition planning
Malpractice protection
Retirement plan optimization

Tech Executives

Strategic planning for equity compensation and IPO windfalls.

Stock option planning
IPO preparation
Exit strategy planning

Business Owners

Integrated business and personal financial planning.

Business succession
Sale planning
Asset protection

Pre-Retirees

Transition planning for the 5-10 years before retirement.

Retirement income planning
Healthcare planning
Social Security optimization

High-Net-Worth Families

Multi-generational wealth preservation and transfer.

Family governance
Education funding
Philanthropic planning

Real Estate Investors

Tax-efficient real estate investment and management.

1031 exchange planning
Depreciation strategies
Passive activity planning

Secure Client Technology

We provide secure, convenient technology solutions for managing your financial information:

Bank-Level Security

256-bit encryption and multi-factor authentication

Mobile Access

Access your financial dashboard anywhere

Secure Document Portal

Encrypted document sharing and storage

Financial Dashboard

Real-time view of your complete financial picture

Our Technology Partners

eMoney Advisor

MoneyGuidePro

RightCapital

Black Diamond

Tamarac

TD Ameritrade

Client Success Stories

How we've helped individuals achieve their financial goals and protect their wealth.

Cardiologist

$2.5M Annual Income

Implemented tax planning strategies that reduced annual tax liability by $300,000 while establishing comprehensive estate plan.

Tax Planning Estate Planning

Tech Executive

IPO Windfall

Managed $15M stock option exercise with strategic tax planning, saving $2M in taxes through careful timing and structuring.

Stock Options Tax Strategy

Business Owner

Sale of Company

Structured $25M business sale to maximize after-tax proceeds while establishing multi-generational wealth transfer plan.

Business Sale Wealth Transfer

+1 (253) 283-5477

Personalized Financial Planning