Personal Tax & Savings Planning in Grand Rapids, MI

Taxes touch nearly every financial decision you make — how you save, how you draw income in retirement, how you pass assets on. We help families think about the tax impact of their broader plan and coordinate with their tax professionals so the pieces work together.

Schedule a Consultation

Planning with Taxes in Mind

Effective wealth management isn't just about returns—it's about what you keep. We integrate tax-smart strategies into every corner of your financial life.

Tax-Aware Savings

Implementing smart account strategies to maximize tax-deferred and tax-free growth potential.

Retirement Withdrawals

Coordinating distributions to manage and minimize lifetime tax impact.

Strategic Timing

Thinking through the timing of major financial moves, sales, or transitions.

CPA Coordination

Connecting your overall plan with your tax preparer's work seamlessly.

We Coordinate — We Don't Replace Your CPA

Smart tax-aware planning works best as a team effort. We focus on the forward-looking planning side and coordinate with your tax professional, so strategy and filing stay aligned.

Proactive, year-round strategy vs. retrospective filing
Direct communication with your CPA to save you time
Coordinated execution of Roth conversions and tax-loss harvesting

Your Independent Financial Partner in Grandville, MI

Lubbers & Associates, LLC is proud to serve West Michigan families with objective, independent advice. We believe that local relationships matter, and tax planning is too important to be left to automated algorithms.

Tax planning isn't a once-a-year event. It's a continuous process of aligning your investments, retirement goals, and legacy plans with the tax code.
Independent Financial Advisors Lubbers & Associates Team

Tax Planning FAQs

Common questions about how we work with your existing tax professionals and manage your tax liabilities.

Do you file my tax returns?

No, we do not prepare or file tax returns. We focus on forward-looking tax planning and strategy, and we coordinate directly with your CPA or tax preparer to ensure our strategies are implemented correctly on your return.

What is tax-aware investing?

Tax-aware investing involves structuring your portfolio to minimize the impact of taxes on your investment growth. This includes asset location (putting the right investments in taxable vs. tax-advantaged accounts), tax-loss harvesting, and managing capital gains distributions.

How do you coordinate with my CPA?

With your permission, we can share financial plans, realized gain/loss reports, and retirement projection models directly with your CPA before the end of the tax year, ensuring there are no surprises when it's time to file.

Ready to Build a Tax-Smart Financial Plan?

Schedule a complimentary consultation at our Grandville office to discuss how we can help optimize your savings and coordinate with your tax professional.

Schedule a Consultation