Who we serve
Four situations where one team saves the most.
Clients usually arrive because of a date. Here’s what we do in each case.
Equity compensation
You’re paid partly in stock, and the tax arrives before the cash.
RSUs are taxed the day they vest, usually with only 22% withheld. ISOs can trigger AMT on shares you haven’t sold.
Decisions in play
How much to sell at each vest, and how much to keep.
When to exercise ISOs, sized to the AMT you can absorb.
How to bring a concentrated position down without one large gain.
Year one: a vest calendar, withholding top-ups and a diversification schedule.
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Business owners
Your business is most of your net worth, and one day you’ll sell it.
The tax on a sale is mostly decided years before it, by entity, deal structure, residency and gifting.
Decisions in play
Whether your entity and payroll set-up still suit you.
Asset vs stock sale, installment terms and timing across tax years.
What to give to family or trusts before the value is fixed.
Year one: a pre-sale tax projection and a retirement plan for the business.
Retirement income
You’re within ten years of stopping work, and the order you spend in matters.
The years between leaving work and required distributions are often your lowest-tax years. They’re a window for Roth conversions.
Decisions in play
Which accounts to draw from first, year by year.
How much to convert to Roth, and in which years.
When to claim Social Security for each spouse.
Year one: a ten-year income map with the tax for each year.
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Inherited wealth
You’ve inherited accounts, and the rules come with a clock.
Most inherited IRAs must be emptied within ten years, and there may be final returns to file, all while grieving.
Decisions in play
How to spread inherited IRA withdrawals across ten tax years.
What to keep, what to sell, and the stepped-up basis on each.
Who files the final return and the estate or trust returns.
Year one: an inventory, a withdrawal schedule and the final returns.
Honestly
We’re probably not the right fit if…
Your taxes are simple and you enjoy doing them yourself.
You want someone to pick stocks or time the market. We don’t.
You have less than $750,000 to invest and no complicated tax decisions coming. Our tax-only service may still help.
If that’s you, we’ll say so on the first call.
Clients
Two of those situations, from the client’s side.
Teodora walked me through my RSU vest schedule before the first big vest, not after. I set aside the right amount for April for the first time in four years.
J.K., engineering director, Denver
Current client. No compensation was provided for this statement. Individual experiences vary and may not be representative.
Selling the company took three years. Gideon was in every tax conversation from the first term sheet to the final installment payment.
Former owner, commercial HVAC business, Colorado Springs
Current client. No compensation was provided for this statement. Individual experiences vary and may not be representative.
Next step
Recognize your situation?
Tell us the date that’s coming up. We’ll tell you what we’d do before it.
We reply within one business day.
Visit, call or log in
Denver
1450 Larimer Street, Suite 800, Denver, CO 80202
Call
Mon–Fri, 8:30–5:30 MT. Extended hours Feb 1 – Apr 15.
The quarterly tax letter
Four emails a year: what changed, what’s due, what to decide. No sales.
Ostrand Wealth & Tax, LLC is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training.
Nothing on this site is tax, legal or investment advice for your situation. Talk to us, or to your own advisor, before acting on it.
© 2026 Ostrand Wealth & Tax, LLC