Who I Help
Retire on Your Terms — and Keep More of What You've Built
AVL Advisory guides professionals and business owners through the move into retirement. We coordinate your taxes, investments, and financial plan under one roof, so the biggest financial decisions of your life work together instead of against each other.
Our Specialty · Two Transitions
Professionals Approaching Retirement
You've spent decades building income and savings. Now you want to stop working on your own timeline and know the paycheck will last.
What stands in your way
- Not knowing exactly when you can afford to stop
- Withdrawals that trigger more tax than they should
- Missing the Roth conversion window in the gap years
- Social Security, Medicare, and IRMAA decisions you only get one shot at
- Bridging healthcare coverage until 65
Business Owners Approaching Retirement or Exit
Your business is likely your largest asset. You want to step away for what it's truly worth and keep as much of the proceeds as possible.
What stands in your way
- Not knowing what the business is worth to you after tax
- Deal terms — asset vs. stock sale, installment, earn-out — set without tax modeling
- Retirement contributions left on the table in the final years
- A succession plan for family, partners, or key employees that's still "someday"
- No clear way to replace business income after you exit
Complexity Overlays
Then We Plan for What Makes Your Situation Yours
Few transitions are simple. Most clients bring one or more of these along, and each one changes the plan. Same firm, same process — the depth scales with your situation.
Concentrated Stock & Equity Compensation
We schedule exercises, sales, and diversification around your retirement date — managing AMT, tax brackets, and the risk of holding too much of one company.
Common for professionals
Business Ownership
We coordinate owner compensation, entity structure, and retirement plan design so the business funds your exit instead of complicating it.
Common for both
Trusts, Estate & Charitable Planning
We work alongside your estate attorney on beneficiary design and trust funding, and time gifts — donor-advised funds, QCDs, charitable trusts — to your highest-income years.
Common for both
Multiple Entities or Properties
We map how each entity and property flows into your personal return, then plan around depreciation recapture, 1031 exchanges, and consolidation before you step away.
Common for business owners
High-Net-Worth & Multigenerational Planning
We plan gifting and wealth transfer around estate-tax exposure, and bring the next generation into the conversation before they need to be.
Common for both
The Real Threat
The Biggest Risk to Your Retirement Isn't the Market. It's the Tax Bill Nobody Planned For.
What happens
Your CPA files last year. Your planner projects the next decade. Your investment manager rebalances today. No one coordinates, so the IRS collects more than it should — right when your income matters most.
How it feels
You're left wondering whether you're one decision away from a six-figure mistake, and you're not sure who to ask.
Why it's wrong
After decades of work, you shouldn't pay more tax just because your advisors never compared notes.
Your Guide
You've worked too hard to leave your retirement to guesswork — or to three advisors who never talk.
Anthony Lupoli, CPA/PFS, CFP®, MAcc, built AVL Advisory so the person modeling your retirement income is the same person preparing the tax return it produces. One relationship that sees every angle.
CPA/PFS
CFP®
Fiduciary
The Plan
The Transition Roadmap
Three steps from wondering whether you're ready to knowing you are.
Book a 15-min Intro
Tell us where you are and where you want to go. No prep needed, and we'll tell you honestly if we're not a fit.
Get Your Integrated Plan
We model your income, taxes, and investments together, year by year through your transition — before the big decisions are made.
Transition With Confidence
We put the plan in motion, prepare your returns, and adjust as life and tax law change. One relationship, every year.
What's at Stake
Where We're Taking You
The years around retirement or a sale are when avoidable taxes, rushed decisions, and missed windows cost the most. With a coordinated plan, they're the years everything you built starts working for you.
Accounts, entities, and advisors that don't talk to each other
One integrated plan, and one advisor who knows all of it
Uneasy that a single decision could cost you six figures
Clear on what to do, when, and why
Second-guessing withdrawals and dreading April
Spent on family, travel, and whatever comes next
Still working because you're not sure you can stop
Retired or exited on your terms, with your legacy in order
Ready to Retire on Your Terms?
We help professionals and business owners retire and exit with confidence by coordinating their taxes, investments, and financial plan under one roof.