Smarter Taxes, Stronger Outcomes

At Henri Godard Consulting, tax planning isn’t an afterthought — it’s an essential part of every financial decision we help you make. We believe that true wealth management must be integrated with proactive, forward-looking tax strategy. That’s why every investment recommendation, retirement projection, and cash-flow plan we create is designed with one goal in mind: helping you keep more of what you earn.

Our approach goes far beyond simple deductions and annual filings. We coordinate your entire financial picture — including investments, retirement accounts, business income, charitable giving, stock options, and estate strategies — to minimize taxes not just this year, but over your entire lifetime. By anticipating how today’s decisions affect tomorrow’s tax outcomes, we build flexible, tax-aware strategies that adapt as your life, income, and legislation change.

From asset location (placing the right investments in the right accounts) and tax-loss harvesting to Roth conversions, charitable planning, and withdrawal sequencing in retirement, we help you identify opportunities to save more while staying fully compliant with evolving tax laws. Every strategy we recommend is modeled, quantified, and explained in clear, real-world terms — so you understand not just what we’re doing, but why.

We collaborate directly with your CPA and estate attorney to ensure your investment plan, trust structure, and tax filings are fully aligned. Our team tracks changes in tax legislation, capital gains treatment, and estate exemption limits, adjusting your plan before year-end opportunities are lost. Whether we’re executing a charitable remainder trust, implementing a donor-advised fund, or rebalancing your portfolio after a market shift, every move is measured against its tax impact.

We also place a strong emphasis on distribution planning — determining when and how to draw income in retirement to minimize bracket creep and unnecessary capital gains. Coordinating Social Security, pension income, and investment withdrawals can dramatically affect your after-tax results, and our team helps you model multiple scenarios before making each decision. By managing cash flows and taxes together, you gain both confidence and clarity about your long-term financial picture.

Smart tax planning is about more than compliance — it’s about strategy, timing, and foresight. At Henri Godard Consulting, we believe that disciplined, data-driven tax management is one of the most consistent ways to enhance returns, preserve wealth, and strengthen outcomes for you and your family. With every recommendation, we make sure your financial plan works as hard as you do.