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Rubiq Financial Partners - Tax & Estate Planning

Tax & Estate
Planning

At Rubiq Financial Partners, tax awareness is embedded in every decision we make. Based in the Philadelphia area but serving clients nationwide, we plan for what you keep — in after-tax terms, always.

Tax Planning

Tax Strategy Woven
Into Everything We Do

We do not treat taxes as an afterthought. Tax awareness is embedded in every investment decision, every retirement conversation, and every estate planning discussion we have. We think in after-tax terms, always.

Whether you're an executive navigating equity compensation, a business owner planning a sale, or a real estate investor structuring a 1031 exchange — your tax situation is unique. We provide planning-level guidance tailored to the specific complexity of your income and assets.

See how tax drag is affecting your portfolio

We coordinate with your CPA — or bring one to the table.

We provide tax planning and strategy — not tax preparation. For implementation, we work in close coordination with your CPA or tax attorney, ensuring that what we plan is executed properly. If you don't have a trusted tax professional, we can refer you to experienced practitioners who specialize in the complexity of high-net-worth and business-owner tax situations.

How this face connects to the others

Every Roth conversion, every charitable gift, every portfolio rebalance has a tax dimension. We model these interactions across your entire plan — not in isolation.

What's included

Year-Round Proactive Tax Strategy
Ongoing monitoring and planning throughout the year — not just at tax time — to identify and act on opportunities.
Tax-Loss Harvesting
Systematic harvesting of losses to offset gains and defer tax liability without altering your investment exposure.
Equity Compensation Planning
RSU vesting, NQSOs, ISOs, ESPP — navigating the tax treatment, exercise timing, and holding decisions for executives.
Real Estate & 1031 Exchange Strategy
Depreciation planning, 1031 exchange structuring, passive activity analysis, and cost segregation opportunities.
Business Owner Tax Strategy
Entity structure analysis, Section 199A deductions, defined benefit plan contributions, and exit tax planning.
Roth Conversion & Bracket Management
Identifying conversion windows, managing IRMAA thresholds, and filling lower brackets before rates change.

Questions we help you answer

How do I reduce my tax bill this year without sacrificing long-term growth?

What are the tax implications of selling my business or a major investment property?

How do I handle my RSUs without triggering an unexpected tax bill?

Estate & Legacy

Protecting What You Build.
For the People You Love.

Estate planning is about more than documents — it's about making sure the wealth you've built passes to the right people, in the right way, at the right time. We integrate estate strategy into your financial plan so nothing falls through the cracks.

From beneficiary designations to charitable structures, from GRATs and SLATs to dynasty trusts, we look at your estate holistically — how it intersects with your investments, your tax situation, and your family's multigenerational goals.

We work alongside your team — or build one for you.

Estate planning requires close coordination with estate attorneys and CPAs. We work seamlessly alongside your existing advisors, providing the financial context they need to do their best work. If you don't have an estate attorney or tax professional you trust, we can connect you with experienced practitioners in our network who are well-suited to your situation.

How this face connects to the others

Changing a beneficiary designation can affect your estate tax exposure. A trust structure can unlock new gifting strategies. We coordinate these decisions across your entire plan.

What's included

Beneficiary Designation Review
Systematic review of all accounts to ensure designations align with your current wishes and estate plan.
Trust & Will Coordination
Coordinating with your estate attorney on revocable and irrevocable trust structures, asset titling, and pour-over provisions.
Gifting & Advanced Trust Structures
Annual exclusion gifting, 529 superfunding, GRATs, SLATs, IDGTs, and dynasty trusts — coordinated to maximize lifetime exemptions and minimize generation-skipping transfer tax (GSTT) exposure.
Charitable Giving Structures
Donor-advised funds, charitable remainder trusts, qualified charitable distributions, and legacy giving strategies.
Business Succession Planning
Structuring the transfer of business ownership in a way that protects family wealth and minimizes transfer taxes.
Estate & Transfer Tax Exposure Analysis
Modeling estate tax, gift tax, and generation-skipping transfer tax liability under current and projected law — including sunset scenarios for the 2025 exemption levels — to identify multigenerational planning opportunities now.

Questions we help you answer

Do I have the right estate documents in place — and are they up to date?

How do I transfer wealth to my children in a way that supports them without creating dependency?

Can I give more to charity in a way that also reduces my estate tax?

Relationships begin with
a conversation.

610-215-9499 clientservice@rubiqfinancial.com