Tax planning is more than filing paperwork each April. It’s about having a strategy that supports your life, not just your liabilities. At HFG Trust, our tax planning advisors serve clients in Kennewick, Pasco, Richland, and beyond, helping individuals, families, and business owners make smart, forward-looking tax decisions. Whether you’re planning for retirement, managing multi-generational wealth, or navigating equity compensation, we build customized tax strategies that adapt to your goals, not the other way around.
What is Tax Planning?
Tax planning services go far beyond tax preparation. While filing is a snapshot, planning is a narrative. It’s about weaving your tax strategy into every part of your financial story—investments, estate, retirement, and business decisions included.
At HFG Trust, we provide tax planning services that help reduce tax burdens, avoid surprises, and create efficiency across your entire wealth strategy. We don’t believe in one-size-fits-all solutions. Whether you’re preparing to transition into retirement, fund education for the next generation, or sell a business, we help ensure your tax strategy works with your overall financial picture, not against it.
What to Bring to Your Tax Estimating Meeting
To make the most of your tax estimating meeting, we’ve provided a Tax Estimating Checklist that you can easily download, print, and reference before meeting with us. Please bring the documents and details listed within the document. Having this information on hand will help us provide a more accurate estimate and uncover potential planning opportunities tailored to your financial goals.
What Makes HFG Trust Different
At HFG Trust, everything we do is designed to simplify your financial life. With a fiduciary-first philosophy and a full team of experts under one roof, we offer clarity, confidence, and continuity.
Fiduciary-First, Fee-Only Advice
Independent guidance that puts your goals first, always, with no commissions or conflicts.
Truly Comprehensive Services
One advisory relationship for planning, investing, tax, trust, and more.
Local Roots, National Expertise
Proudly based in Kennewick, serving the Tri-Cities and clients across the country.
Decades of Trusted Experience
Over 40 years of helping individuals and families simplify life and plan for what’s next.
Credentialed, Collaborative Team
Advisors, trust officers, and planners who work together to deliver truly personalized strategies.
Long-Term, Relationship-Driven Approach
We’re not here for transactions—we’re here to guide you for life’s biggest financial decisions.
Trusted and Highly Rated
A Financial Process That Starts With You
At HFG Trust, we don’t believe in one-size-fits-all solutions. Our process starts with listening. We take the time to understand your goals, values, and life circumstances before offering any advice. From there, we create a comprehensive strategy that aligns every part of your financial life—tax planning included.
We coordinate with your CPA or work with you directly to optimize timing, reduce exposure, and align investments and estate plans with tax strategy. Whether it’s income deferral, capital gains planning, charitable giving, or legacy structuring, every step is grounded in thoughtful, strategic advice.
Local Roots. National Perspective.
Headquartered in Kennewick, WA, HFG Trust proudly serves the Tri-Cities—Pasco, Richland, and surrounding communities, as well as clients across Oregon and California. Whether you’re a pre-retiree in Richland, a business owner in Pasco, or a high-net-worth family in Berkeley or Roseburg, we bring customized tax guidance that fits where you are and where you’re headed.
Kennewick, WA
Headquarters offering full-service wealth management and fiduciary guidance in the heart of the Tri-Cities. From income tax strategy to estate-level planning, our team supports individuals, families, and businesses year-round.
Berkeley, CA
Holistic wealth and estate planning for clients across California and beyond. We specialize in coordinating state and federal tax concerns with multi-generational goals.
Roseburg, OR
Personalized financial advice and fiduciary tax planning for individuals, families, and business owners. From equity compensation to retirement withdrawals, we help optimize every angle.
Insights That Move You Forward
Explore timely articles, market commentary, and practical guidance from the HFG Trust team. From retirement strategies to business transitions and tax planning, our expert resources are designed to simplify financial decisions and build long-term confidence.
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Frequently Asked Questions
Do financial advisors help with tax planning?
Yes. While not all advisors offer in-depth tax strategy, at HFG Trust, we integrate tax planning directly into your broader financial strategy. That includes optimizing investments for tax efficiency, timing withdrawals, and coordinating with legal or CPA teams when needed.
What’s the difference between tax filing and tax planning?
Filing looks back. Planning looks ahead. Filing reports on what has already happened. Planning helps you decide when to sell, gift, convert, or invest in ways that can reduce tax liability over time.
Is tax planning only for high-net-worth individuals?
Not at all. While high-net-worth clients often benefit from more advanced strategies, anyone who earns income, owns a business, or plans for retirement can benefit from proactive tax planning.
How often should I update my tax strategy?
At least annually and ideally at any time your income, assets, or family situation changes. Tax laws evolve, and so should your plan. We help clients review and refine their tax strategy regularly.
Ready to Simplify Your Financial Life?
We’re here to listen, guide, and help you move forward on your terms. Let’s build your financial future together—tax smart and future ready.
