In this area of planning, we collect and analyze client data that is mostly gathered from the client’s previous tax returns.  By analyzing past tax returns, we can reach many conclusions about how to optimize the  client’s financial investments and tax situations as well as about the client profile in general.  Tax laws affect the investment environment, and the client’s investment decisions and strategies are established by taking into consideration taxation and other factors.  Financial decisions including those relating to portfolio construction and management should be made within the context of a comprehensive financial plan that is consistent with the client’s resources, needs and goals.