1926 E. Fort Lowell Rd Suite 100
Tucson, AZ 85719
Contact Us
Mon - Thurs: 9:00 - 5:00 AZ
Fri: 9:00 - 3:00 AZ
1926 E. Fort Lowell Rd Suite 100
Tucson, AZ 85719
Contact Us
Mon - Thurs: 9:00 - 5:00 AZ
Fri: 9:00 - 3:00 AZ
For Tucson doctors, engineers, and executives earning $200k+ who want to maximize every dollar while minimizing tax exposure
Fee-Based Fiduciary
20+ Years in Tucson
Tucson-Based
Transparent Fees
You’ve climbed to the top of your profession, but your financial complexity has grown faster than your confidence in managing it. You’re earning excellent income, yet you’re not sure if you’re building wealth as efficiently as you should be.
Here’s what keeps high-income professionals up at night:
These aren’t challenges a generic financial plan can solve—they require specialized strategies designed for professionals with complex, high-income situations.
For high-income professionals, financial success means more than just accumulation—it’s about optimization, protection, and ultimately, freedom.
Our clients tell us they want to “maximize every dollar,” “cut my tax bill legally,” and “achieve work-optional status.”
Before working with us: You’re earning excellent income but watching a significant portion disappear to taxes. Multiple scattered accounts exist with no cohesive strategy. You’re working harder than ever but not confident you’re building wealth efficiently. There’s constant anxiety about whether you’re making optimal decisions with stock options and retirement contributions.
After implementing a comprehensive strategy: You have a clear tax minimization plan in place. Every account works in coordination toward your goals. You understand exactly how each compensation component should be handled for maximum after-tax value. Work becomes optional—you continue because you want to, not because you have to.
Unlike generalist advisors or product-focused firms, we create tax-efficient wealth strategies designed specifically for professionals with complex, high-income situations.
Tax Minimization Strategies
We coordinate income timing, maximize available deductions, and optimize retirement contributions to legally reduce your tax burden. Arizona’s favorable tax environment creates opportunities that many high-earners miss. We identify strategies specific to your situation and implement them in coordination with your CPA.
Executive Compensation Navigation
Stock option exercise strategies require careful analysis. Incentive stock options have different tax treatment than non-qualified options. Restricted stock units create taxable events at vesting. We analyze each component of your compensation package and create an optimal strategy for exercise timing, diversification, and tax management.
Retirement Account Optimization
High earners face unique retirement planning opportunities that most advisors never discuss. We implement advanced strategies like backdoor Roth conversions, mega backdoor Roth contributions, and evaluate whether solo 401(k)s or cash balance plans make sense for practice owners or those with side income.
Asset Protection Planning
Professionals with significant income and visible careers need proper liability protection. We coordinate with your existing professional liability coverage, evaluate whether entity structuring makes sense for practice owners, and ensure your wealth strategy includes appropriate safeguards.
Concentrated Stock Position Management
Company stock represents both opportunity and risk. We develop diversification strategies that balance tax efficiency with prudent risk management, including tax-loss harvesting and systematic diversification plans.
Multi-Account Consolidation & Oversight
We create a unified portfolio strategy across all accounts, implement regular rebalancing that accounts for tax efficiency, and track performance against appropriate benchmarks. You get one clear picture of your complete financial situation.
Learn more: Retirement Income Management
A successful local business owner came to us earning substantial income and saving diligently—approximately $500,000 in retirement accounts. Despite their professional success, they faced a frustrating problem: they had accounts split between two separate investment advisors, and neither could tell them if they were actually on track for retirement.
One advisor would recommend one thing. The other would recommend something completely different. Neither could see the complete picture, creating invisible inefficiencies—uncoordinated risk across accounts, overlapping positions, and conflicting recommendations. The fragmentation became impossible to ignore when one advisor wanted to make portfolio changes for commission-based products, actually instructing the other advisor not to make any changes that year because they were planning to trigger significant taxes with their product recommendations.
We consolidated everything under Ironwood’s fee-based fiduciary structure and inventoried every account and holding to identify tax inefficiencies and risk imbalances that neither previous advisor had addressed. We eliminated expensive, overlapping positions and built a comprehensive financial plan—assessing their retirement timeline, modeling tax projections, and coordinating portfolio strategy with their business priorities. Under our transparent fee structure, we established one point of contact who could coordinate all decisions without competing agendas.
They avoided unnecessary tax triggers from commission-driven recommendations and reduced total advisory costs through consolidated management. For the first time, their portfolio was properly balanced with appropriate risk levels. Most importantly, they confirmed they were on track to retire at their target age—clarity they’d sought from both previous advisors but never received. As they shared with us: all the pieces were finally working together.
Read the full story:
See if this describes your situation:
You earn $200k+ annually (individual or household)
You’re frustrated by your tax bill and want legal ways to reduce it
You have stock options, RSUs, or complex bonus structures
You have multiple retirement accounts from different employers
You want professional guidance but don’t trust product salespeople
You’re too busy to manage this yourself effectively
You’re on track for significant wealth but lack a unified strategy
You want to understand your options, not just be told what to do
If you checked three or more boxes, you’re exactly the type of client we specialize in helping build tax-efficient wealth.
Fiduciary Standard for High Earners
We’re legally bound to put your interests first—particularly important when managing complex compensation and tax strategies where conflicts of interest are common. We don’t earn commissions on products.
Tax-First Investment Approach
Unlike investment-only advisors, we coordinate every decision with tax implications in mind. For high-income professionals, keeping more of what you earn matters as much as earning more.
Experience with Complex Compensation
We regularly work with doctors, executives, and engineers navigating stock options, deferred compensation, partnership structures, and multi-state tax considerations.
Ongoing Monitoring & Adjustment
Your income and opportunities change throughout your career. We meet regularly to optimize new bonuses, equity grants, and transitions as your situation evolves.
Education Without Condescension
We explain complex strategies in clear terms so you understand the reasoning behind every recommendation. You’re looking for clear explanations, not dumbed-down advice.
20+ Years Tucson Expertise
We understand Arizona’s tax advantages for high earners and how they compare to higher-tax states many of our clients relocated from.
This depends entirely on your specific situation, but we commonly help high-income professionals reduce their tax burden through retirement plan maximization, strategic timing of income and deductions, charitable giving optimization, and entity structure planning where appropriate. The higher your income, the more opportunities typically exist.
Incentive stock options and non-qualified stock options have very different tax implications. We analyze exercise timing, alternative minimum tax impact, holding period requirements, and diversification needs to create a strategy that maximizes your after-tax value while managing concentration risk.
For high earners over the income limits for direct Roth contributions, backdoor Roth conversions can be valuable. We evaluate your existing IRA balances (the pro-rata rule matters here), your current and future tax situation, and your long-term goals to determine if it makes sense.
Our transparent fee-based structure means you know exactly what you pay—no hidden costs or commissions. For high-income professionals, the value from tax optimization and strategic planning typically exceeds the advisory fees. We’re happy to show you the specific opportunities we’ve identified.
We work with professionals who have $250k+ in investable assets or high income on track to accumulate significant wealth. If you’re earlier in your career but earning well, we can still add meaningful value through tax planning and retirement optimization.
You’ve invested years mastering your profession—now it’s time to ensure your financial strategy matches your professional success.
Our High-Income Strategy Review analyzes your complete financial picture and identifies specific opportunities to reduce taxes, optimize your compensation package, and accelerate wealth building.
There’s no obligation or pressure to move forward—we want you to see the value clearly before making any decisions. Many clients tell us the initial review alone provided clarity worth the time invested.
Ready to turn your high income into lasting wealth? Let’s start the conversation.
