Tax Strategy Decision Trees
Answer a few questions and get a recommendation, the numbers behind it and the steps to take, for five of the highest-impact tax moves: Roth conversion, tax-loss harvesting, charitable giving, IRMAA planning and the S-corp election.
Pick a strategy
How to use these workflows
Each decision tree asks a handful of questions, then shows a verdict (recommended, worth considering, or probably not), the dollar figures behind it, and two to four 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.