Welcome to AVL Advisory!
Lower Lifetime Taxes with Integrated Planning
When taxes, planning, and investments live in separate silos, you pay for the seams. AVL Advisory builds one coordinated plan that lowers lifetime taxes, funds what matters, and keeps the execution tight, every quarter.
I’m Anthony Lupoli, a lifelong Ormond Beach local, CPA/PFS, CFP®, and founder of AVL Advisory. After years of preparing returns and building plans, I saw how often good decisions in one area unintentionally created problems in another. Our firm exists to align your money decisions so they stop working at cross-purposes and start compounding in the same direction. Our Mission is simple, to bring clarity and confidence to your financial life through tax-smart, fiduciary advice delivered by a boutique team that knows you. No hype. No gimmicks. Just coordinated strategy and disciplined execution. As a graduate from UCF and Stetson University, I’m deeply involved and committed to the local community, and built AVL Advisory to blend rigorous tax expertise with practical financial planning, so clients can make smart, confident decisions without the noise.
What Makes us Different
Tax-First, Always: Every planning item runs through a “What’s the tax delta?” check.
Fiduciary Standard: As a fee-only CFP® and RIA, we’re legally and ethically obligated to put your interests first, full stop.
One Plan, One Team: Taxes, planning, and portfolios live in a single dashboard with owners + due dates. No email tennis or phone tag.
Owner Access: You get professional depth with white-glove responsiveness; no call-center feel.
Execution Rhythm: Quarterly cadences (estimates, reallocations, vesting events, Roth conversions) so nothing drifts.
Who We Serve Best
High earners (W-2 + bonuses/RSUs): Net Investment Income Tax (NIIT) management, 83(b)/10b5-1 elections, bracket choreography around vesting.
Business Owners (S-Corp/LLC): Reasonable comp, QBI optimization, accountable plan, retirement design (Solo 401(k)/Cash Balance).
Estate planning for families needing tax-efficient strategies to pass on their wealth as intended.
5-year runway to retirement: Roth conversion windows, Social Security timing, withdrawal/sequence risk control.
If you value straight talk, transparency, and accountability, you’ll likely feel at home here.
The AVL Advisory Process
Intro Call (15–20 min): Mutual fit and goals.
Deep-Dive Discovery: Statements, taxes, benefits, risks, and constraints.
Plan Build & Strategy Session: Clear priorities, timelines, and trade-offs.
Implementation: We coordinate accounts, transfers, allocation, and tax actions.
Ongoing Rhythm: Quarterly check-ins + ad-hoc as life changes; annual tax and plan updates.
What We Won’t Do
No promises about beating markets or “guaranteed” outcomes.
No product pushing. Our advice isn’t tied to sales quotas.
No jargon smokescreens. If we can’t explain it in a paragraph, we don’t ship it.
Getting Started
Step 1: Book a brief Intro Call.
Step 2: We’ll send a short checklist so we can make our time together count.
Step 3: If we’re a fit, we’ll outline scope, fees, and next steps; no surprises.
Prefer to start with education? Subscribe to our social media channels (links on our homepage) for practical, tax-smart guidance with zero fluff.
When your taxes, planning, and investments finally point in the same direction, decisions get simpler and outcomes feel calmer. That’s the promise of our process, not guarantees, just clarity, coordination, and a fiduciary partner who knows your full picture. If you are someone who values straight-talk, tax-smart coordination, let’s connect!
