Wealth Preservation Strategy
High Net Worth Tax Planning
We help high earners and business owners keep more of what they build through sophisticated, legal tax strategies.
Protect Your Wealth from Excessive Taxation
As your income grows, your tax complexity explodes. Standard deductions and generic advice no longer apply. For California residents facing a top marginal tax rate of over 13% (plus federal taxes), proactive planning is not optional—it's essential.
At Novicta Tax, we move beyond simple compliance. We architect comprehensive tax plans that align with your investment portfolio, business interests, and retirement goals.
Advanced Strategies We Deploy:
- Equity Compensation Planning Strategic timing for exercising ISOs, NQSOs, and managing RSU vesting to minimize Alternative Minimum Tax (AMT) and ordinary income spikes.
- Real Estate Tax Shields Leveraging 1031 Exchanges, Cost Segregation Studies, and Real Estate Professional Status (REPS) to offset active income.
- Advanced Retirement Structures Going beyond the 401(k) with Cash Balance Plans and Defined Benefit Plans that can allow for tax-deferred contributions of $200k+ annually.
The "California Tax" Reality
High earners in California face a unique challenge. The Franchise Tax Board is aggressive, and federal deductions for state taxes (SALT) are capped.
Our Approach
- ✓ PTE (Pass-Through Entity) Tax Credit
- ✓ Charitable Remainder Trusts (CRT)
- ✓ Tax-Loss Harvesting
- ✓ Residency Planning
Who Is This For?
- Business Owners ($500k+ Net Income)
- Tech Professionals with IPO/Equity Events
- Real Estate Investors
Common Tax Challenges We Solve
Complex financial situations require expert guidance and strategic planning
High Tax Burden
"I'm paying a massive amount in taxes. How do I legally reduce this?"
Stock Option Complexity
"My stock options are vesting, and I don't know the capital gains impact."
Capital Gains Management
"I sold some stocks and made a big profit. How can I reduce the taxes on it?"
Investment Property Sales
"I sold my investment property — what can I do to lower the taxes I owe?"
Underpayment Penalties
"How do I avoid an underpayment penalty after selling my stocks?"
Long-Term Planning
"How do I optimize my finances to build long-term wealth and plan for my estate?"
What Our Clients Say
"All these years, I had been filing my taxes myself leaving a lot of tax dollars on the table before I sought help from Sarita ji in tax saving ideas. For the past 2 years, I realized how helpful it is to have a knowledgeable tax professional to take care of the tax filing. I also loved that she's a phone call or a text message away from answering the questions you may have. Thank you!"
"Sarita has been a great partner to file a late tax return. She addressed our endless questions, she is knowledgeable, responsive and provided excellent guidance to both file the current year and optimize our situation for the years ahead."
Frequently Asked Questions
Common questions about our services.
What is the difference between a CPA and a Tax Strategist?
A typical CPA records history—filing forms based on what happened last year. A Tax Strategist writes history—creating proactive plans to legally reduce tax liability before the year ends. We do both, but our value lies in the strategy.
How do you handle stock options (RSU/ISO)?
We model various scenarios for exercising options to minimize AMT (Alternative Minimum Tax) and maximize long-term capital gains treatment. Timing is everything with equity compensation.
Can I reduce taxes on my high W-2 income?
Yes, though it is harder than for business owners. Strategies include maximizing retirement buckets, utilizing HSAs, charitable giving strategies (Donor Advised Funds), and real estate investments that produce passive losses to offset active income (if you qualify).
Do you work with my financial advisor?
Absolutely. We believe tax planning and investment planning must be integrated. We are happy to collaborate with your existing team to ensure all parts of your financial life are working together.
I sold an investment property. Can you help me reduce the tax impact?
Yes. We specialize in strategies like 1031 Exchanges, Deferred Sales Trusts, and Installment Sales to defer or minimize capital gains taxes on real estate transactions.
How do you help avoid underpayment penalties?
We perform mid-year and year-end tax projections to ensure you've paid enough safe-harbor tax, adjusting your withholdings or estimated payments to avoid penalties while keeping cash in your pocket as long as possible.
Do you offer estate planning services?
We integrate estate planning into our tax strategy. While we draft the tax-efficient structures (like trusts), we work closely with estate attorneys to ensure your wealth is protected and transferred efficiently.
Your Wealth Deserves a Strategy
Don't let taxes erode your hard work. Let's build a plan to preserve your legacy.
Book Your Wealth Strategy Call