#1 Tax Optimization Platform in US

Most investors optimize what they earn, not where they hold it. Our tax planning services help you save $15,000+ through smarter investing and tax optimization strategies your accountant might miss.

Find My Tax Savings
Why InvestMates
100% Private
Bank-level encryption
No Data Sharing
Your data stays yours
Year-Round Support
Not just at tax time
1,200+
Strategies
$18M+
Saved
4.9/5
Rating

You're leaving thousands on the table

Most investors miss these critical tax optimization strategies that could save thousands annually

Missing Tax Loss Harvesting

Your losing stocks could offset $5,000 in capital gains, but you haven't harvested them before year-end. Tax loss harvesting is one of the best tax planning strategies in the United States, yet 80% of investors never use it.

Wrong Account Placement

Your bonds sit in taxable brokerage accounts while stocks are locked in your 401k, costing you $3,000 annually in unnecessary taxes. Asset location optimization - placing investments in the right account types - is a tax optimization strategy most advisors overlook.

Paying Double Taxes

You're managing wealth across US and India, paying full taxes in both countries. DTAA (Double Tax Avoidance Agreement) benefits and foreign tax credits could save you $10,000+ every year. Cross-border taxation requires specialized tax planning services from US tax planning consultants who understand international tax treaties.

Underusing Retirement Accounts

You maxed your 401k contribution but missed HSA, backdoor Roth, and mega backdoor strategies worth $8,000/year in tax savings. Strategic retirement account planning goes beyond basic contributions - it's about tax optimization across all available vehicles.

Tax strategies to help you save more of your money

Helps you uncover every eligible tax-saving opportunity, from simple deductions to complex cases

Tax Loss Harvesting

Sell losing investments to offset capital gains while staying invested in the market. This tax strategy reduces your tax bill without changing your portfolio allocation. Tax loss harvesting can save investors $2,000-$15,000 annually and is especially valuable during market volatility.

$2,000 - $15,000/year

Asset Location Optimization

Place tax-inefficient investments (bonds, REITs) in tax-deferred accounts like 401k and IRA. Keep tax-efficient assets (stocks, index funds) in taxable brokerage accounts. This simple asset location strategy can save $3,000-$20,000 per year in taxes without changing what you own—only where you hold it.

$3,000 - $20,000/year

401k & Roth Contribution Strategy

Optimize traditional vs Roth 401k contributions based on your current tax bracket versus expected retirement tax bracket. This retirement tax planning strategy helps high earners build tax-free wealth while minimizing current tax liability. Includes timing strategies for maximum employer matching.

$5,000 - $25,000/year

HSA Triple Tax Advantage

Health Savings Accounts offer pre-tax contributions, tax-free growth, and tax-free withdrawals for medical expenses. After age 65, HSAs work like traditional IRAs but with better tax benefits. This underutilized tax strategy is your secret retirement account.

$1,500 - $8,000/year

DTAA Tax Benefits (Cross-Border)

Stop paying full taxes in both US and India. The Double Tax Avoidance Agreement (DTAA) allows you to claim foreign tax credits and reduce double taxation on international income. This cross-border tax strategy is essential for NRIs, green card holders, and global investors managing wealth across countries.

$5,000 - $50,000/year

Backdoor Roth Conversions

High income earners can't contribute directly to Roth IRAs, but the backdoor Roth strategy allows indirect contributions. Convert traditional IRA funds to Roth accounts and build tax-free retirement wealth even when your income exceeds IRS limits. This advanced tax planning technique can create $10,000-$100,000 in lifetime tax savings.

$10,000 - $100,000 lifetime

Qualified Dividend Optimization

Structure your investment portfolio to receive qualified dividends taxed at preferential capital gains rates (15%) instead of ordinary income rates (up to 37%). This dividend tax strategy involves holding periods and investment selection that can save investors thousands annually.

$2,000 - $12,000/year

Hiring Your Kids

Pay your children up to $15,000/year for legitimate work in your business. Their income is tax-free (below standard deduction), and you get a business deduction. This family tax strategy shifts income from your higher tax bracket to their lower bracket, saving 30%+ in taxes.

$4,500/year per child

Three steps to serious tax savings

Our tax planning services combine AI technology with certified tax professionals

Step 1

All your accounts, one clear view

Otto AI securely connects your investment accounts, retirement plans, and tax documents across borders. Our tax planning software analyzes your complete financial picture - US and India accounts, 401k, IRA, HSA - to identify every tax optimization strategy available.

All Your Accounts - One Clear View
Tax Opportunities Found
Analyzed
Tax Loss Harvesting
$8,450
DTAA Credit
$5,800
Asset Location Issue
$3,200
Step 2

AI uncovers strategies you might miss

Our tax planning software for individuals identifies missed opportunities like tax loss harvesting, DTAA credits, asset location issues, and retirement strategies tailored to you. The AI analyzes 10,000+ data points daily to find the best tax planning strategies your advisor might miss.

Step 3

We handle the work, you keep the savings

Book a call with our team of certified US tax planning consultants. Our CPAs, CFPs, and cross-border tax specialists create a personalized tax planning strategy and handle the complexity. You get year-round tax advisory support, not just once-a-year filing.

We Handle the Work, You Keep the Savings
🇺🇸
🇮🇳

Managing wealth across countries? We specialize in that.

If you have investments, property, or income in both US and India, you face unique tax complexity. Wealth management tax planning through DTAA benefits, foreign tax credits, FBAR compliance, and optimal account structuring can save you $10,000 - $50,000 annually. Our experts navigate this daily.

$10K-$50K
Avg. Annual Savings
500+
Cross-Border Clients
15+ Years
Tax Expertise
Expert Team

Meet your US tax planning consultants

Tax strategy gets complex fast. That's why you get access to our team of certified US tax planning consultants specializing in cross-border taxation

Mr. Krishnan Subramanyam

Mr. Krishnan Subramanyam

CPA, Cross-Border Tax Specialist

15+ years helping NRIs optimize US-India taxation

CPA
Cross-Border Expert
500+ Clients
Mr. Gangaraju Hanumaiah

Mr. Gangaraju Hanumaiah

EA, US International Tax Specialist

19+ years of experience helping individuals and businesses with international tax compliance

US Tax Expert
International Tax
Business & Individual Compliance

Strategies tailored to you

Click strategies to see how they work

High Earners ($200k+)

Backdoor Roth conversions
Mega backdoor Roth
Qualified dividend optimization
Charitable remainder trusts

Everything you need for tax-smart investing

Comprehensive tax planning and management - click any feature to learn more

Otto AI Assistant

Smart Tax Alerts

Portfolio Analysis

Cross-Border Support

Document Hub

Expert Consultations

Tax Filing Services

Portfolio Sync

Real people, real savings

See how InvestMates members are saving thousands every year

Rajesh K.

“I had no idea I was losing thousands to double taxation. Otto flagged my DTAA credits in the first week, and now I'm saving over $18k a year. Wish I'd found this sooner.”

Rajesh K.

Software Engineer, Seattle

Priya M.

“The backdoor Roth thing always confused me, and I didn't even know what a mega backdoor was. One call cleared everything up, and now I'm maxing out strategies I didn't know existed. Worth every minute.”

Priya M.

Product Manager, San Francisco

Amit S.

“Honestly thought my CPA had everything covered. Turns out just moving where I hold my bonds versus stocks saves me $24k a year. The service paid for itself in the first month.”

Amit S.

Director of Engineering, Austin

Neha P.

“I'm not great at staying on top of this stuff. Now tax-loss harvesting just happens automatically when opportunities pop up. It's like having someone watch my portfolio for tax savings 24/7.”

Neha P.

Investment Analyst, NYC

Frequently asked questions

Everything you need to know about tax planning and optimization

NRI financial advisor

Book a Free Tax Strategy Call

Our US tax planning consultants identify opportunities that software and standard preparers often miss. Get personalized guidance for your situation.

Start saving today

Free 30-minute strategy call. We'll show you exactly where you're losing money to taxes.

Get started with InvestMates

No obligation. No sales pitch. Just honest analysis of your opportunities.

1,200+
Tax Strategies Executed
$18M+
Total Client Savings
4.9/5
Average Rating