High-Income Earners: Your 2026 Tax Strategy Starts Now

Most people think tax planning happens in April.

That’s exactly why they overpay.

Now that the deadline has passed, here’s the reality:

The biggest tax-saving moves for 2026 need to start now—not at filing time.

If you’re a high-income tech professional or self-employed, this is where the real opportunities are:

• Structuring retirement contributions (401K, HSA, SEP IRA, Mega Backdoor Roth)

• Managing RSUs and equity compensation before they vest• Harvesting losses and gains strategically

• Timing income, bonuses, and deductions• Evaluating entity structure if you have 1099 income

• Using charitable giving strategically (donor-advised funds, bunching deductions, donating appreciated stock)

Waiting until year-end—or worse, next April—limits what you can actually control.

The clients who save the most on taxes aren’t reacting.

They’re planning 6–12 months ahead.

If your 2025 tax bill made you pause for a second…

That’s your signal.

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At Phase Wealth Management, we focus on proactive tax planning for high-income earners—especially in tech.

If you want to sanity check your 2026 tax strategy, feel free to reach out.

Jesse Waters is a registered representative with and securities and advisory services are offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. 

In Phase Wealth Management and LPL Financial do not provide legal or tax advice. Please consult with your tax or legal advisor regarding your personal situation.