— CPA/PFS · CFP® · MAcc · Fee-Only Fiduciary
SIMPLIFYING FINANCIAL TRANSITIONS FOR A BETTER FUTURE THROUGH TAX-SMART RETIREMENT PLANNING FOR PROFESSIONALS AND BUSINESS OWNERS.
Make Retirement Decisions With the Tax Implications in View
Your retirement date, account withdrawals, Roth conversions, Social Security, Medicare, investments, and business decisions can all affect one another. AVL Advisory brings them into one coordinated plan so you can replace financial ambiguity with a clear plan and informed next steps.
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
Retirement Decisions Do Not Happen One at a Time
THE PROBLEM
Choosing when to retire is only the beginning. You may also need to decide when to claim Social Security, how to draw income from taxable and retirement accounts, whether a Roth conversion makes sense, how Medicare fits in, and what to do with a business or concentrated stock position.
Handled separately, these decisions can work against one another. A choice that looks sensible on its own may create an unintended tax consequence or weaken another part of the plan.
That ambiguity is frustrating. You have worked hard to create options; you should be able to understand the tradeoffs before making a consequential decision.
You should not have to piece together retirement guidance from professionals who are working from different plans.
HOW IT WORKS
A Clear Three-Step Plan
01
Book a 15-minute intro
Tell me what is changing, which decisions are on your mind, and what you want retirement to look like. No preparation is required.
02
Clarify your financial picture
Complete the free Wealth Assessment and share the information needed to identify the decisions that deserve attention first.
03
Review the recommended next step
Receive a complimentary, high-level second opinion and a straightforward recommendation: act independently, build a paid Tax-Smart Transition Roadmap, or explore an ongoing AVL relationship.
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.
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.
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.WHAT I DO
Retirement timing and cash flow
Test how different retirement dates and income needs may affect the plan.
See the Whole Retirement Picture
Investments and concentrated positions
Coordinate portfolio decisions with liquidity needs and potential tax effects.
Tax-deferred accounts and Roth conversions
Evaluate tradeoffs across multiple years rather than focusing on one tax return.
Business transition and personal wealth
Connect a sale, succession, or ownership change to retirement and long-term planning.
Social Security and Medicare
Consider timing decisions alongside income, taxes, and the rest of the plan.
Estate and charitable priorities
Coordinate planning decisions with your attorney and other professionals when needed.
Meet Your Advisor
Anthony Lupoli
CPA/PFS · CFP® · MAcc
QUALIFICATION
Is This Designed for You?
This approach is designed primarily for successful professionals and business owners age 50+ who are approaching retirement, a business exit, a liquidity event, or another tax-sensitive transition.
IT MAY BE ESPECIALLY USEFUL IF
You expect a consequential financial decision in the next 12 to 24 months
Retirement or a business transition may be three to ten years away
A meaningful share of your savings is in tax-deferred accounts
Your wealth includes a business, employer stock, or another concentrated position
You want taxes, investments, Social Security, Medicare, estate planning, or a business exit considered together
You want an advisor who can help analyze decisions and support implementation
THE OUTCOME
Move Forward With a Plan You Understand
A coordinated plan can help you see which decisions require attention now, which can wait, and how the available paths compare. You leave with clearer priorities and a practical sequence for the work ahead.
The aim is a retirement plan in which your tax strategy, investments, income, and major life decisions support the same direction.
THE TRANSFORMATION
From frustrated by financial ambiguity to confident, informed, and prepared to navigate the transition ahead.
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
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.