Tax Optimization Center

Keep more of what you earn

Legal tax reduction strategies — organised by your situation. No complex jargon, just real numbers.

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W-2 Employees

Most salaried employees overpay taxes by not fully utilising pre-tax benefit elections and optimal W-4 withholding.

W-2 Tax Optimizer

Find every dollar of savings from 401(k), HSA, FSA, and W-4 adjustments

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W-2 Tax Checkup

10 questions — get an instant score and specific dollar savings

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RSU & ESPP Calculator

Understand vesting tax gaps and qualifying vs disqualifying dispositions

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Self-Employed & Contractors

Self-employment tax, quarterly estimates, QBI deduction, and retirement account contributions that can cut your effective rate dramatically.

Self-Employed Tax Hub

SE tax, quarterly estimates, deductions, and SEP-IRA vs Solo 401(k) comparison

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Tax Health Score

Identify every missed deduction and its estimated dollar value

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Retirement Tax Planning

Converting traditional accounts, timing capital gains, and planning RMDs before they hit can save tens of thousands in taxes.

Roth Conversion Analyzer

Model bracket-fill Roth conversions — tax due now vs RMD savings later

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Capital Gains Calculator

Plan asset sales with full short-term, long-term, NIIT, and state tax analysis

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RMD Calculator

Project Required Minimum Distributions ages 73–90 and lifetime tax exposure

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Tax tips most people miss

W-2Contribute to your 401(k) up to the employer match — it's a 50–100% instant return

W-2HSA contributions are triple tax-advantaged: deductible, grow tax-free, and withdraw tax-free for medical expenses

InvestingLong-term capital gains (assets held over 12 months) are taxed at 0%, 15%, or 20% — compared to up to 37% for short-term

Self-EmployedSelf-employed individuals can deduct 100% of health insurance premiums from income — not just Schedule A

RetirementA Roth conversion in a low-income year (early retirement, sabbatical, job change) can permanently reduce your lifetime tax burden

How healthy is your tax picture?

The Tax Health Score estimates your total missed savings across 10 areas — takes under 4 minutes.

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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 →