Primary planning focus
Tax-Efficient Retirement Income
Coordinate pensions, Social Security, portfolio withdrawals, and account sequencing to pursue dependable retirement cash flow with greater long-term tax flexibility.
Tax-aware financial planning nationwide
The biggest retirement tax concern may be the one no one has identified yet.
Most financial conversations begin with investments or products. We begin by looking for potential tax pressure points across your income, accounts, real estate, Medicare, Social Security, and legacy plan.
Tax planning comes firstProducts are secondaryYour professionals stay connected
Planning picture
Preliminary 8-area review
FRSTaxScan
Lead concern
Retirement income planning
Coordinate portfolio withdrawals, pensions, benefits, and cash reserves into a durable income sequence.
The concerns we lead with
Connected planning areas
Scan Identify Coordinate
Planning priorities
What a tax-aware review brings forward
Start with tax-efficient retirement income. Then connect every decision around it.
Retirement income, future RMDs, Roth conversion timing, survivor taxes, real estate, life insurance, and Medicare costs should be evaluated as one connected planning picture.
Retirement tax
Future RMD Pressure & Roth Conversion Planning
Evaluate whether carefully timed Roth conversions may improve future tax flexibility and reduce the size of later required distributions—while weighing the taxable income created today.
Survivor planning
Survivor Tax Compression
Plan for the possibility that a surviving spouse may have similar income with a narrower single-filer tax structure.
Portfolio tax
Embedded Gains & Tax Coordination
Coordinate appreciated investments, liquidity needs, charitable goals, and income timing before gains are realized.
Real estate
1031 Exchange Planning
Connect a potential property sale or exchange with timing, cash flow, concentration, taxes, and legacy priorities.
Estate & legacy
Life Insurance & Estate Liquidity
Assess whether existing or proposed coverage supports survivor income, estate liquidity, debt needs, and legacy goals before any product recommendation.
Medicare planning
Medicare IRMAA Exposure
Review how changes in modified adjusted gross income may affect future income-related additions to Medicare Part B and Part D premiums.
These are potential planning concerns, not conclusions. Individual facts and professional tax review determine what applies.
A different starting point
Products answer “what.” Planning should answer “why this, why now, and what else changes?”
The familiar conversation
Product first
- Start with investments
- Discuss performance
- Present a proposal
- Address taxes afterward
The FRS conversation
Tax-aware planning first
- Start with your situation
- Identify potential pressure points
- Model connected tradeoffs
- Coordinate before implementation
The FRS TaxScan process
Scan. Identify. Coordinate.
A clearer planning experience—before investments, insurance, or other products enter the conversation.
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Scan
Look across income, investments, retirement accounts, real estate, Medicare, Social Security, and legacy priorities.
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Identify
Clarify potential tax pressure points, planning questions, and areas where deeper professional review may be warranted.
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Coordinate
Help your financial, tax, and legal professionals work from the same facts, priorities, and implementation timeline.
Explore the planning lens
See the questions a tax-aware review can bring forward.
Select any situation that sounds familiar. We’ll identify the questions it may raise and, when you’re ready, help turn your selections into a focused conversation.
Interactive planning preview
Which situations are part of your financial picture?
Choose any that sound familiar. Start with one or select several—nothing is saved unless you decide to contact us.
Potential planning questions
What a deeper review may identify
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Select a situation to reveal the kinds of questions a tax-aware review may explore.
Illustrative educational preview only. It is not a tax calculation, recommendation, or advice. A complete review requires additional information and coordination with your tax and legal professionals.
Tax-aware planning stays first
One tax-aware lens across every major decision.
01 / PrimaryExplore the TaxScan process →02Plan tax-aware retirement →03Build the exchange roadmap →04Coordinate the legacy plan →
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Tax-Aware Financial Planning
Identify potential planning concerns across income, accounts, investments, real estate, healthcare, and family goals.
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Retirement Income
Coordinate cash flow, withdrawal sequencing, Social Security, Medicare, risk, and future tax flexibility.
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1031 Exchange Strategy
Prepare before the clock starts and connect replacement property decisions to liquidity, retirement, and legacy goals.
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Legacy Coordination
Consider survivor tax pressure, beneficiaries, charitable intent, estate liquidity, and the people behind the plan.
45days to identify
180days to complete
Federal deadlines are generally measured from the transfer date; earlier tax-return due dates can affect the completion window.
Specialized tax-aware planning
A 1031 exchange is a deadline—not a destination.
The exchange may defer recognition of gain, but the replacement property still needs to fit your cash flow, concentration, retirement, and legacy priorities.
- Begin before the relinquished property closes
- Coordinate the qualified intermediary and tax professional
- Evaluate the exchange inside the complete financial plan
Planning for families, by a family
There is a real life behind every number.
Terry Martine brings institutional-market experience, independent advice, and the discipline of a U.S. Air Force veteran to a deeply personal planning relationship.
FRS listens first, makes the tradeoffs visible, and keeps tax-aware planning at the center—because a financial decision is only useful when it supports the people and possibilities that matter to you.
Meet Terry and the FRS team →Straight answers
Start with the questions that matter.
You do not need every answer before the first conversation.
Is TaxScan software that I need to buy?
No. TaxScan is the planning method FRS uses to organize a preliminary review and identify questions worth exploring. It is not a client product, tax return, or substitute for professional tax advice.
Do you replace my CPA or estate attorney?
No. FRS coordinates the financial strategy and helps prepare focused questions for the independent tax and legal professionals you choose.
Does a review guarantee tax savings?
No. The purpose is to identify potential planning concerns and tradeoffs. Outcomes depend on individual facts, changing law, implementation, and professional tax review.
When should I start planning a 1031 exchange?
Ideally, before the relinquished property closes. Early planning creates more room to coordinate the qualified intermediary, replacement options, liquidity, and wider goals.
What happens during the first call?
We discuss what prompted you to reach out, which decisions are ahead, and whether FRS may be the right fit. There is no obligation.
Products can wait
First, let’s find the questions your plan should answer.
Start with a 45-minute Tax-Aware Planning Conversation.