In this episode of the podcast, we sit down with Wes Kirtz, Managing Director of Bookkeeper.com, to discuss how integrating tax planning with financial advising can help individuals and business owners simplify their financial lives while minimizing unnecessary taxes.

The conversation covers why having multiple investment accounts and advisors can create unnecessary complexity, the importance of proactive tax planning throughout the year, new charitable giving rules for 2026, retirement planning strategies, and why having a single financial "quarterback" can make a significant difference for both your finances today and your family's future.

Whether you're preparing for retirement, managing investments, or looking for ways to reduce your tax burden, this discussion provides practical insights into building a more coordinated financial plan.

0:00 – Introduction and meeting Wes Kirtz

1:02 – Why multiple investment accounts create financial chaos

2:12 – The advantages of consolidating assets and advisors

4:28 – Required Minimum Distributions (RMDs) and consolidation benefits

5:56 – The difference between tax preparation and tax planning

7:46 – Why tax planning must happen before year-end

8:15 – 2026 charitable deduction changes explained

11:02 – Qualified Charitable Distributions (QCDs) and IRA giving strategies

14:07 – The best tax deduction: retirement accounts

15:29 – Retirement plan strategies for business owners

17:05 – Estate planning, wealth transfer, and avoiding unnecessary complexity

17:56 – The value of having financial advisors and CPAs working together

18:26 – Closing thoughts