Keep More of What You Earn, Intentionally.
Tax preparation looks backward at a year that's already over. Tax-aware planning looks forward—coordinating your investments, retirement withdrawals, and income timing so fewer dollars leave the table than have to.
A Tax Return Is a Report Card. Planning Happens Before the Test.
By the time your CPA files your return, most of the decisions that determined your tax bill have already been made. Tax-aware planning happens earlier—throughout the year, not just in April.
Your hard-earned money should work for you, not just get filed once a year.
Three Things That Shape Every Recommendation
Tax-Efficient Investing
Structuring where and how investments are held so more of your return stays with you, not the IRS.
Coordinated Withdrawal Timing
Sequencing retirement account withdrawals intentionally, rather than pulling from whatever account is easiest.
Year-Round Strategy
Reviewing tax opportunities throughout the year—not scrambling in the weeks before filing.
Tax-Aware Planning vs. Tax Preparation Alone
Both matter. They are not the same thing, and confusing them can cost you.
See how tax strategy shapes your retirement income plan → Learn more
A True Partnership With Your Tax Professional
Jared Kremer, CPA, MBA
Strategic Partner — Kremer-Kehe Tax & AccountingJared founded Kremer-Kehe Tax & Accounting in 2009 and brings more than 25 years of tax, accounting, and small business consulting experience to Northeast Iowa families and business owners.
Working directly alongside Travis and the team, Jared evaluates the real tax consequences behind every investment and retirement decision—so your strategy is built on actual numbers, not guesswork.
Built for People Who Want Their Tax Strategy Coordinated, Not Siloed
- You only think about taxes once a year, right before filing.
- You’ve made investment or retirement decisions without knowing the tax impact.
- You have farm or business income that varies significantly year to year.
- You want your CPA and financial advisor actually talking to each other.
- You’re approaching retirement and unsure how withdrawals will be taxed.
Tax-Aware Planning for Northeast Iowa Farms & Families
Farm income doesn't arrive in even, predictable paychecks. Neither does income from a family business. That variability makes proactive tax planning more valuable here, not less.
We coordinate with local tax professionals who understand agricultural and small-business tax realities firsthand.
How We Approach Your Tax Strategy
Review Your Current Tax Picture
We start with your most recent return and current accounts to understand where you stand today.
Identify Planning Opportunities
We look for coordination opportunities across your investments, retirement accounts, and income timing.
Coordinate With Your CPA
Strategy is reviewed alongside your tax professional—whether that’s our strategic partner or your own—so nothing is implemented in isolation.
Implement Thoughtfully
Changes are made with your full financial picture in mind, not just this year’s return.
Revisit Annually
Tax law changes. So does your life. We reassess the strategy every year, not just once.
Tax-Aware Planning FAQs
Are you a CPA or tax preparer?
Is this the same as tax preparation?
I already have a CPA. Can you still help?
How does farm or business income factor in?
What is the referral relationship with Kremer-Kehe Tax & Accounting?
Ready to Make Taxes Part of Your Strategy, Not an Afterthought?
Let's look at your full financial picture with tax efficiency in mind.