How to use these workflows
Each decision tree asks a handful of questions, then shows a clear recommended / worth-considering / probably-not verdict, the dollar figures behind it, and 2–4 implementation steps with the relevant IRS form. All figures use 2025 federal values.
These are directional estimates to help you frame a conversation — not a substitute for running your full return. Tax outcomes depend on many interacting rules (QBI, NIIT, AMT, state tax) this tool simplifies.
How this is calculated
A guided decision tree that points you to the tax moves that fit your situation — it routes you by your answers rather than running a single projection.
The steps
- Answer questions about income, accounts, and goals.
- Rules map your answers to relevant strategies (e.g. backdoor Roth, tax-loss harvesting, HSA).
- Each suggestion links to a deeper explainer.
Assumptions
- General eligibility rules; not personalized advice.
Good to know
- A starting map — confirm specifics for your facts with a professional.
Related resources
Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. For tax advice, consult a CPA or Enrolled Agent. View full disclosures →