Contact

Tax Planning in Florida That’s Grounded, Personal, and Forward-Thinking

No one gets excited about taxes. But when they’re planned well, they don’t have to feel stressful or overwhelming. And the strategies you put in place today lay the foundation for a more successful future.

Our financial planners are here to help you approach taxes with confidence. Our advanced tax planning doesn’t just help you save money this year; it helps you make choices that support your long-term goals and the life you’ve worked hard to build.

Whether you’re approaching retirement, navigating a large distribution, or simply want to feel more in control, we’re here to walk through it with you.

Start Planning for What’s Next

— Proactive Tax Planning —

Taxes Are Inevitable, but
Surprises Don’t Have to Be

We all know taxes are part of life, but that doesn’t mean you’re powerless. With thoughtful tax planning, your investment choices, retirement withdrawals, and giving strategies can all work better together and reduce your stress in the process.
The AMG team helps you slow down and see the full picture. Because when you know what’s coming, you can effectively plan around it instead of simply reacting to it.

— Thoughtful Tax Conversations —

Let’s Talk About What You’re Dealing With

We work with clients facing all kinds of situations, including:
  • Rolling over retirement accounts and avoiding unnecessary taxes
  • Deciding when (or if) to convert to a Roth IRA
  • Structuring retirement income so you’re not caught off guard by RMDs
  • Planning around Medicare or Social Security thresholds
  • Thinking through charitable giving in a more intentional way
  • Managing stock or stock options in retirement
  • Handling a windfall or inheritance without triggering a huge tax bill
Every situation is different. That’s why we slow down and look at everything through the lens of your life.

— Experience You Can Trust

Tax Guidance From a CPA Who’s Been There

Tom Gruber brings over 30 years of experience as both a CPA and financial planner. That means your tax strategy is built into your plan from day one, not tacked on at the end.

Tom works directly with clients to answer real questions, explain trade-offs, and help them make smart decisions.

Our goal is for you to never feel rushed, but always heard.

Meet Tom Gruber, CPA/PFS™

— Planning with Intention

Planning That Supports the Life You Want

Whether your vision includes travel, giving, family support, or just peace and tranquility, we help you align your tax strategy with the lifestyle you care about. Some tax decisions are technical, but most come down to timing and intention.

That’s where we come in, helping you weigh the pros and cons, understand your options, and feel confident about what’s next.

— Ongoing Tax Guidance

Consistent Support, Year After Year

We don’t just show up at tax time. Our client relationships include seasonal check-ins to help you stay ahead of key deadlines and identify opportunities before they’re gone.
Because Tom is both a CPA and a financial planner, you get a single point of contact who understands the full picture and how one decision affects the rest.
See the Full Retirement Planning Experience

— Your Questions, Answered —

Frequently Asked Questions
About Retirement & Taxes

Can tax planning really make a meaningful difference in retirement?
Yes. The way you structure income, withdrawals, and even charitable gifts can significantly impact how much you pay in taxes over the course of your retirement. We help you make intentional decisions now that can reduce tax exposure over time, not just this year.

Income thresholds can trigger higher Medicare premiums and make Social Security benefits taxable. We help you plan around these thresholds with strategies such as timing withdrawals, coordinating income sources, and using Roth accounts to smooth out spikes in taxable income.

Tax laws may change, but that doesn’t mean you’re powerless. Our approach considers your current and projected tax brackets to determine whether strategies such as Roth conversions or tax-diversified portfolios make sense given your long-term outlook.

If giving is part of your values, there are tax-efficient ways to make those contributions—like donating appreciated assets or using qualified charitable distributions (QCDs) directly from your IRA. We help you incorporate giving in a way that supports both your legacy and your financial strategy.

Many CPAs focus on filing taxes, not long-term planning. We work proactively throughout the year to identify planning opportunities and coordinate closely with your tax professional to verify the strategy and execution are aligned.

— Tax & Retirement Insights —

Looking for practical insights on retirement income and smart tax strategies?

Explore some of our latest articles below. From understanding Roth conversion timing to managing required minimum distributions and navigating retirement income from multiple sources, these posts are designed to help you make informed decisions with confidence.

Let’s Talk About What You’re Navigating Right Now

If you’ve ever felt unsure about how taxes will affect your next move—or just want someone to help connect the dots—Tom would love to talk. It all starts with a short, friendly phone call. We ask what’s on your mind, listen closely, and share how we’d approach things.

Schedule Your Intro Call With Tom