Tax Planning Strategies in Mobile, Alabama

Tax-aware planning across every stage, from accumulation through distribution.

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By James Mitchell Ollis III, Financial Advisor | CRD# 1127198

Taxes are not something you think about once a year in April. They are a permanent drag on investment returns, and the decisions you make throughout the year have a direct impact on how much of your wealth you keep.

Working in Partnership With Your CPA

Our tax planning is not about preparing returns. It is about working in partnership with your CPA to identify and implement strategies intended to minimize the impact of taxes on your wealth across every stage of your financial life.

During the Accumulation Phase

Tax-loss harvesting. We look for opportunities to use losses in your portfolio to offset gains, potentially reducing what you owe in taxes and keeping more money invested in the market.
Asset location. The same investment held in a taxable account, a traditional IRA, or a Roth IRA produces very different tax outcomes. We assign assets to the right accounts to improve your after-tax returns.
Tax-efficient trading. Within your portfolio, we aim to optimize after-tax returns, leveraging strategies such as capital gains management and tax-efficient trading.

During the Distribution Phase

Withdrawal sequencing. When you withdraw money, we consider strategies that could reduce the tax impact. The order in which you draw from different account types matters enormously.
Tax bracket optimization. We help you evaluate strategies such as bracket management and Roth conversion analysis.
Tax-exempt bonds. Where appropriate, we may use municipal bonds and other tax-exempt vehicles to generate income with a lower tax cost.

Outside the Portfolio

Estate and gift tax strategies. We coordinate with your attorney to evaluate strategies that minimize the impact of estate, gift, and generation-skipping transfer taxes.
Tax-efficient charitable giving. We help you structure charitable contributions in a way that maximizes the deduction while supporting the causes you care about.

“We do not provide tax advice. But we work in partnership with your tax professional to make sure the strategies we implement are aligned with the advice you are receiving on the tax side.”

What You Receive

Tax-loss harvesting and capital gains management
Asset location analysis across taxable, traditional, and Roth accounts
Withdrawal sequencing and Roth conversion analysis
Tax bracket optimization across your working years and retirement
Charitable giving and gift tax strategies
Coordination with your CPA so nothing falls through the cracks

Tax Strategies Questions We Hear in Mobile

Do you prepare tax returns?

No. We are not a CPA firm. We coordinate with your CPA so investment and planning decisions are made with the tax consequences in view.

What is tax-efficient investing?

It means placing investments in the account types where they are taxed least, harvesting losses when appropriate, and managing when gains are realized.

Is a Roth conversion right for me?

It can be when you expect a higher bracket later, or in low-income years early in retirement. We model the tax cost now against the savings later before recommending one.

How can charitable giving reduce my taxes?

Options such as donating appreciated stock, donor-advised funds, and qualified charitable distributions from IRAs after age 70½ can lower taxes while supporting causes you care about.

Advisory services are offered through Ollis Wealth Management LLC. James Mitchell Ollis III is also affiliated with Cambridge Investment Research Advisors, Inc. This page is for informational purposes and is not tax or legal advice. Investing involves risk, including possible loss of principal. Full disclosures.

Are your investments working as hard after-tax as they are pre-tax?

Small structural changes can make a meaningful difference over time.

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