Broker Check

Personal Tax Preparation Services for Keystone Financial Clients

What Is Financial Well-Being?

Your Investment and Tax Strategies Aligned and Working Together. 

Our Mission: To Provide Comprehensive Holistic Financial Planning

As your Financial Representatives, we have a comprehensive understanding of your finances. By working together with your tax preparer, you can feel confident that all areas of your financial plan are being addressed.  We will work together to help create a tax strategy that puts you in the best position to meet your long-term financial goals.

Three Common Tax Reduction Strategies:

1. Consider Long-Term Capital Gains

Part of tax-efficient investing is considering how taxes will affect the buying and selling of assets. 

The tax you pay when selling an asset, whether it’s a stock, jewelry, or real estate, is dependent on how long you’ve held the asset. If you’ve had an asset for more than a year before selling, it’s considered a long-term capital gain and therefore is taxed according to graduate thresholds. In other words, the tax rate for long-term capital gains can be 15% or lower. Whereas short-term capital gains (assets sold before that one-year mark) are taxed at the same percentage as your normal income. This means you could be paying up to 37% in taxes for short-term capital gains.

2. Consider Maxing out your Tax-Advantaged Retirement Accounts

Retirement accounts can act as great long-term tax-sheltered accounts. There are two different kinds of retirement accounts, tax-deferred and tax-exempt. Tax-deferred accounts are your traditional accounts where contributions are made pre-tax, like a traditional 401(k). Tax-exempt accounts include Roth IRAs and Roth 401(k)s where contributions are made post-tax.

Regardless of which account you’re contributing to, it’s in your best interest to max out your yearly contributions and to take advantage of those tax breaks, not to mention any matching programs your employer may offer.

3. Consider Contributing to a Health Savings Account (HSA)

A health savings account is a great way to take advantage of your pre-tax income while potentially lessening the impact of health care costs.  You can then use this money, tax-free, to  pay for eligible expenses including deductibles, copays, prescriptions, and countless other medical costs. 

Let's Get Started!

Book an Appointment

Schedule an appointment using the link below. 

Book an Appointment

Complete Tax Organizer

This document provides us an overview of your current tax situation.

Please complete prior to your initial meeting and upload to your Right Capital Vault.  

Financial Documents Checklist and Tax Organizer

Upload Financial Documents

Upload personal tax documents (W-2, 1098, etc.) to the Right Capital Vault.

As investment documents become available, Keystone will upload them on your behalf.

Right Capital

Tax Review Meeting

1:1 meeting with your tax preparer to review your preliminary tax return.


Consent and Disclosure Statement

Right Capital-How it Works

Experience the user-friendly, informative, and secure Right Capital Client Portal. Rest assured, all data transferred and stored in the Vault is encrypted using top-tier confidentiality practices. Entrust your document uploads for your tax preparation appointment with utmost confidence.

1. Account Setup -You'll receive a link to create your Right Capital account and secure password.  From there, follow the steps to complete your profile.

*If you already have a Right Capital account but need to reset your password click here: Password Reset

2. The Vault- Use your vault to securely share and store documents. Upload all of your tax documents to a shared folder.  Your Financial Advisor will upload your investment related tax documents to the shared folder as well.  Your tax preparer will now have access to everything they need to start your return. 

How to Upload Documents to the Vault tutorial:

Independent Financial Group (IFG) does not give tax advice. IFG Registered Representatives (RR) do not give tax advice while acting as an RR. These matters should be discussed with your tax professional. No investment strategy can guarantee a profit or protect against loss. While you can use the funds in an HSA at any time to pay for qualified medical expenses, you may contribute to an HSA only if you have a High Deductible Health Plan (HDHP) — generally a health plan (including a Marketplace plan) that only covers preventive services before the deductible. Keystone Financial Services, Keystone Tax Preparation LLC, and IFG are unaffiliated entities.

Featured Tax Content Library

Tax Freedom Day

Tax Freedom Day

Assess how many days you'll work to pay your federal tax liability.
Learn More
Home Mortgage Deduction

Home Mortgage Deduction

Use this calculator to assess the potential benefits of a home mortgage deduction.
Learn More
How Income Taxes Work

How Income Taxes Work

A quick look at how federal income taxes work.
Learn More