Who We Serve - The Capital Warehouse

We work with four kinds of clients, each with its own level of service, and alongside CPA firms. Not sure where you fit? The Clarity Check shows what likely applies to you. About 5 minutes.

Working High Earners

You earn well, $150,000 or more a year as a household, and you have a preparer who files your return. What you don't have is anyone planning it. Your return gets prepared after the year is over, when most of the moves no longer count.

We start with a written tax plan before year-end, then review your return, your retirement accounts (what's pre-tax and what's Roth), your insurance and benefits, and your estate documents. Your CPA stays your CPA; we make sure everyone works from the same plan.

Level: Foundations. Paying less tax while you are still earning.

At or Near Retirement

You have $500,000 or more in retirement accounts, most of it pre-tax, and you're retired or 60 or older, drawing it down or about to. Part of that balance belongs to the IRS, and nobody has projected how much.

We project the tax on your retirement money, including what required withdrawals (the amounts the IRS makes you take out of pre-tax accounts each year) will do to your bracket. Required withdrawals start at 73 if you were born before 1960, 75 if you were born in 1960 or later. We map Roth conversions year by year (moving pre-tax money into a Roth account in lower-tax years), set the order you draw from your accounts and when to claim Social Security, and manage, and where possible avoid, Medicare premium surcharges.

Level: Retirement. Taking money out in the right order at the lowest tax.

Business Owners, $1–3M in Revenue

You own a business doing $1–3 million a year, or a smaller one with household income of $250,000 or more, and you're focused on running it. While you are, tax savings get missed, and the business and your personal finances get planned separately, if at all.

We plan the business and you together: a cash balance plan (a bigger retirement plan for owners), a cost segregation study on your building (an engineering study that speeds up depreciation), how the business is set up and how you pay yourself, buy-sell and key-person coverage, pre-sale tax planning if a sale is in view, and a specialist look at the operating business.

Level: Growth. The person and the business, planned as one.

Owners at $3M+ in Revenue

An exit on the horizon, property, several entities, and a taxable estate. The decisions that matter most have to be made years before a buyer shows up.

We run the whole picture for you: your CPA, advisor, attorney and insurance agent kept working as one team, every specialist project managed start to finish, your exit plan on a timeline, and one consolidated view of everything you own.

Level: Family Office. Everything run for you, including the exit and the estate that follows it.

CPA Firms

If you're a CPA, some of your clients are the people described above. They want planning, and filing season leaves no time for it.

We work alongside accounting firms: you keep the client and the return, and we do the planning work and bring in the specialists. Your client hears about anything we find before it is decided, and nothing changes on your side without you knowing. If that's of interest, use the contact page and we'll set up a call.