— CPA/PFS · CFP® · MAcc · Fee-Only Fiduciary
Tax-smart financial planning and wealth management, built around one integrated plan.
Make major financial decisions with the tax consequences in view
Before you sell a business or stock, change your compensation, convert to a Roth, or set a retirement date, AVL models the potential effects across your taxes, investments, and long-term plan. Then we keep them coordinated in one ongoing advisory relationship.
5 minutes · no prep · see your planning score
Your Advisor
Anthony Lupoli
CPA/PFS · CFP® · MAcc
Fiduciary
Always, on every dollar
Fee-only
No commissions, ever
Triple-credentialed
CPA/PFS · CFP® · MAcc
Boutique
A limited number of clients
Free Download · For S-Corp Owners
The Owner-Operator Tax Checklist
Thirty prompts across five disciplines — for S-Corp owner-operators who want a clear plan, not a surprise bill in April.
Reasonable compensation, salary vs. distribution, and payroll timing
Basis tracking, estimated taxes, and the cash reserve that covers April
Retirement plan design, entity structure, and exit readiness
One email. The PDF arrives instantly — plus a short monthly note on tax-smart moves. Unsubscribe anytime.
Free Download · For High Earners & Pre-Retirees
10 Tax Planning Moves to Make Before December 31
The moves that quietly expire on the 31st — and how to decide which ones are worth making this year.
Roth conversions and filling the bracket you are actually in
Loss harvesting, concentrated stock, and equity comp timing
Charitable timing, donor-advised funds, and withholding true-ups
One email. The PDF arrives instantly — plus a short monthly note on tax-smart moves. Unsubscribe anytime.
Most clients juggle three advisors. Here, it’s one.
THE DIFFERENCE
Your Finances With AVL Advisory
One relationship, every advisory angle covered
Forecasts that don't surprise you in April
High-touch, personalized advisory — built for you
One inbox, one advisor, one integrated plan
Investments and tax strategy coordinated
AVL ADVISORY
Your Finances Without AVL Advisory
Fragmented advisors — CPA, planner, broker barely speak
Reactive, not proactive — tax bill is a surprise
Cookie-cutter advice generated by software
Uncoordinated communication, phone tag in April
Investment decisions made with tax blind spots
MY APPROACH
How it works
01
I map your full picture.
Tax returns, balance sheet, equity comp, business entity, family goals, all captured in one model. You finally see the whole board, not three corners of it.
02
I model decisions before you commit.
A Roth conversion. An S-Corp salary change. A sale of company stock. I show the multi-year tax and net-worth impact side-by-side, then recommend.
03
I run it as one plan.
Tax prep, investment management, and ongoing planning move together. No relay race between three professionals who have never met each other.
WHAT I DO
Four practices, one relationship.
Tax Advisory
Proactive tax planning & preparation
I don't just file. We model the tax impact of every major decision — before you commit.
Federal & state returns
Multi-year projections
IRS representation
Wealth Management
Fee-only fiduciary investing
Low-turnover, evidence-based portfolios coordinated with your tax plan, not against it.
Globally diversified, low cost
Tax-aware rebalancing
Concentrated-stock strategies
Financial Planning
Integrated, goals-based planning
Retirement, education, real estate, equity comp, insurance — modeled as one connected system.
Goals-based projections
Cash-flow & balance sheet
Estate coordination
Outsourced Accounting
Owner-operator back office
For S-Corps, partnerships, and multi-entity owners — reasonable-comp, QBI, monthly close.
Salary vs distribution
Solo-401(k) / cash-balance
Sale & succession planning
SERVICE LEVELS
Bring Every Financial Decision Into Alignment
When taxes, investments, business cash flow, and long-term decisions overlap, fragmented advice can lead to missed opportunities and unnecessary uncertainty. AVL Advisory helps you see the full picture, make informed decisions, and move forward with confidence.
Your relationship with AVL is shaped by the complexity of your financial life, not simply the size of your portfolio. Each level is designed to help you make better-informed decisions, act before opportunities pass, and move forward with greater clarity.
At AVL, you work directly with me, a CPA and CFP®.
Personal Wealth
Your financial life should work as one connected system.
Starts at $400/month
Designed for high-income professionals and early-stage business owners who want their taxes, investments, savings, and long-term plans working together.
Your relationship may include:
Two strategic planning meetings per year for guidance with life changes
Midyear and year-end tax planning so you have time to act before April 15
One individual tax-return preparation included
Cash-flow, savings, and retirement planning
Investment management or coordination (if you are self-directed or have an existing broker relationship)
Insurance and estate-plan review to help protect what you’ve built.
The desired outcome
A strong financial foundation that helps you move forward without second-guessing every decision.
How you pay:
Planning relationship starts at $400 per month. Billing switches to AUM fee schedule when investable assets exceed $480,000.
Owner Wealth
Turn business success into personal wealth.
Starts at $625/month
Designed for entrepreneurs whose compensation, business cash flow, taxes, retirement contributions, and personal investments can no longer be managed in isolation.
Your relationship may include:
Three strategic planning meetings per year
Individual and operating-entity tax returns
Quarterly estimated-tax guidance in coordination with your tax plan
Reasonable compensation and distribution analysis to optimize business cash-flow
Retirement-plan and contribution decisions connected to your financial plan and tax situation
Business-cash and personal-wealth coordination
Investment management
Coordination with your other professionals
The desired outcome
Your business success begins supporting a more intentional and resilient personal financial future.
How you pay:
Planning relationship starts at $625 per month. Billing switches to AUM fee schedule when investable assets exceed $750,000.
SIGNATURE RELATIONSHIP
Transition & Legacy
Prepare for what comes next with the full picture in view.
Starts at $1,250/month
Designed for owners and families approaching a business sale, retirement, liquidity event, or other significant transition, as well as those managing multiple entities, trusts, properties, or complex estate and charitable decisions.
Your relationship may include:
Four structured strategy meetings
Multi-year tax and cash-flow modeling
Business-sale or retirement-transition planning
Concentrated-position and investment-tax planning
Estate, charitable, and wealth-transfer coordination
Family and successor decision support so your assets go where you intend them to
Defined individual, entity, and trust tax-compliance services
Coordination with attorneys, bankers, brokers, and other specialists
The desired outcome
Your wealth is more organized, your intentions are clearer, and everything you’ve built is protected.
How you pay:
Planning relationship starts at $1,250 per month. Billing switches to AUM fee schedule when investable assets exceed $1,250,000.
Engagement letters and full fee schedules are provided in writing before any work begins. See Form ADV Part 2 for complete fee disclosures.Meet Your Advisor
Anthony Lupoli
CPA/PFS · CFP® · MAcc
Why clients choose AVL Advisory.
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"Thanks to his friendly, professional, and down‑to‑earth approach, a process that originally felt overwhelming became organized, manageable, and gave us real peace of mind about our plans and our family’s future."
Erika
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"Wow! a great experience working with AVL. Excellent communication and solid service. This year I switched to AVL and it was trouble-free!! Highly recommend."
Richard
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"Anthony goes the extra mile and is very knowledgeable when it comes to any financial advising and more! 11/10 recommend!"
Garrett
Questions
Asked & answered.
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Yes, always, on every dollar. AVL Advisory is a Registered Investment Adviser; we are legally and contractually held to act in your best interest. We also do not accept commissions, referral fees, or product kickbacks.
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For fully integrated engagements (tax + planning + investments), we typically work with households at $150K+ in income or business owners with annual revenue above $500K. Tax-only and project engagements have no minimum, we can start there and grow into a fuller relationship.
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Of course. We work two ways: as your sole advisor under one roof, or alongside your existing CPA, coordinating directly with them. The integrated fee assumes we handle taxes ourselves; if not, the engagement re-prices to reflect the lighter scope.
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Three structures: a blended assets-under-management fee for each tier level (covering planning + investments + tax prep), fixed return-based pricing for tax-only clients, and project fees for one-off work. All terms are disclosed in writing before you sign anything. AUM rates and separate tax fees are disclosed in writing before engagement, with lower percentage rates at higher asset tiers..
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Two ways. First, we're triple-credentialed under one roof: CPA/PFS handles tax, CFP® handles planning, and we manage investments ourselves, most firms have one of those, not all three. Second, we're boutique on purpose. A capped client roster means Anthony personally handles your work, not an analyst three rungs down.
Don't see your question?
The Next Step
Ready to Elevate Your Financial Life?
Fifteen minutes, no prep, no pressure. I’ll learn what you're working on and tell you — honestly — whether we're the right fit. If we're not, we'll point you somewhere that is.