Watts Advisor Tax Planning

Watts Advisor Tax Planning No annoying tax professional lingo. Just straight, authoritative, and friendly expert advice. Challenging times? We are made for this.

Our founder Gary Watts has been in the financial services industry since 2009, and is a former police lieutenant and Army aviator, all contributing to him being a strong leader. Watts Advisor Tax Planning is motivated by helping people and doing the right thing. Knowing that we have made a positive difference in someone’s life, protecting them and their business, is so rewarding and continual moti

vation. Our clients are our top priority, and we have high standards for the respect and manner in which we treat them. Seeing the importance and the need for quality, ethical advice for individuals and companies, we choose to use our experience in problem-solving and innovation to provide financial planning and investment management.

Memorial Day is a time to pay tribute to those who made the ultimate sacrifice in service to the United States. They wil...
05/23/2026

Memorial Day is a time to pay tribute to those who made the ultimate sacrifice in service to the United States. They will always be remembered. Wishing you and your loved ones a peaceful Memorial Day holiday.

04/30/2026

Online Influencer's Guide to Building Generational Wealth

When stock prices drop, some investors start asking "shoulda, woulda, coulda” questions about whether to remain invested...
04/15/2026

When stock prices drop, some investors start asking "shoulda, woulda, coulda” questions about whether to remain invested. But as 2025 illustrates, market timing can be very expensive even if it means missing just a few days.

Investors are anxious, and with good reason. The unsettling events in the Middle East are dominating the headlines, whic...
04/10/2026

Investors are anxious, and with good reason. The unsettling events in the Middle East are dominating the headlines, which can put even the most seasoned investor on edge. Will the number of corrections for the S&P 500 increase to 27 this year?

"The word 'alternative' sounds exotic — but many alternative investments are among the most conservative tools available...
04/06/2026

"The word 'alternative' sounds exotic — but many alternative investments are among the most conservative tools available. Here's what they actually are, and why Yale built its entire endowment around them."

Independent financial advisor Gary Watts, CFP®, EA explains what alternative investments actually are, why they're often more conservative than stocks, and what Yale's endowment model teaches individual investors.

If your CPA, attorney, and financial advisor aren't talking to each other, you're probably leaving significant money on ...
03/24/2026

If your CPA, attorney, and financial advisor aren't talking to each other, you're probably leaving significant money on the table — every single year.

virtual family office; Bay Area financial advisor; business owner Walnut Creek; tax planning; Bay Area business owners; integrated financial planning; California; VFO for business owners; solo 401k Bay Area; California business tax strategy; CFP; EA; Walnut Creek

What if your most expensive tax decision in 2026 happens long before you file your return?Tax prep looks backward; tax s...
03/16/2026

What if your most expensive tax decision in 2026 happens long before you file your return?
Tax prep looks backward; tax strategy looks ahead, and that gap is where real after-tax outcomes get decided.

A few high-impact levers to keep on the radar:
➡️ When Income Lands: Timing bonuses, self-employment income, and retirement distributions can help manage brackets.

➡️ How You Might Save: Consider taking advantage of the higher 401(k) limits in 2026 and catch-up provisions—but be sure to look into whether you need to use a Roth for those catch-up contributions.

➡️ Where Giving Shows Up: New rules change how charitable gifts and Adjusted Gross Income (AGI) limits work together.

➡️ What You Do in Down Markets: Tax-loss harvesting can turn volatility into a tool, not just noise.

➡️ With most retirement accounts, once you reach age 73, you must begin taking required minimum distributions. Roth accounts are the exception. Withdrawal penalties may apply if you take the money before age 59½. Roth IRA distributions must meet a 5-year holding requirement and occur after the account holder reaches age 59½.

Preparing year-round can help shape future cash flow, flexibility, and choices.



Sources:
➡️ https://www.affiancefinancial.com/news/tax-planning-or-tax-preparation-which-do-i-need
➡️ https://www.bdo.com/insights/tax/irs-issues-final-catch-up-contribution-regulations-for-salary-deferrals-in-retirement-plans
➡️https://www.irs.gov/pub/irs-drop/n-25-67.pdf
https://silvertaxgroup.com/donor-advised-funds-strategy/
➡️ https://www.fidelitycharitable.org/guidance/charitable-tax-strategies/bunching-charitable-donations.html
➡️ https://www.bankrate.com/retirement/convert-to-roth-ira/

You might be paying more in taxes than you need to—and not even realize it.From investment timing to account selection, ...
03/13/2026

You might be paying more in taxes than you need to—and not even realize it.

From investment timing to account selection, small decisions can have a big impact on your total tax bill. Here are five areas to keep in mind this tax season.

As the troubling and fluid events unfold in the Middle East, more investors are asking, “Should we do anything?”Here are...
03/13/2026

As the troubling and fluid events unfold in the Middle East, more investors are asking, “Should we do anything?”Here are a couple of areas to keep an eye on in the weeks ahead.The Fed’s next two-day meeting ends on March 18....

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