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The Legacy Planning Desk
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Assess Plan

Legacy Planning Desk was built out of frustration from the industry. To many clients have

  • Incomplete plans

  • Gaps in protection

  • Conflicting recommendations

  • Strategies that are never fully implemented


At the same time, many taxpayers pay more than they are legally required to pay because no one is proactively helping them reduce their tax exposure or evaluate how today’s decisions may affect the rest of their financial lives.
 

Most clients already have several professionals involved in their planning. They may have a tax preparer, bookkeeper, financial advisor, insurance professional, and attorney. Each professional may be doing their job well, but they are often working within their own area of expertise.
 

When those decisions are made separately, important opportunities can be missed, recommendations can conflict, and critical parts of the plan may never be completed.

Legacy Planning Desk was created to bridge the gap between expertise and implementation by building and vetting a team of professionals and creating a coordinated process for moving the client’s plan forward.

 

Tax planning should do more than reduce this year’s tax bill. It should:

  1. Support your cash flow

  2. Strengthen your business

  3. Preserve access to capital

  4. Improve your long-term financial position
     

The value is not found in tax planning alone.
 

The greater value comes from integrating tax planning into the broader financial plan, understanding how each part works together, and considering how today’s decisions may affect your life 10, 20, or even 40 years from now—and how those decisions may ultimately affect future generations.

A strategy that reduces taxes today should not create a larger financial problem tomorrow.
 

Our process begins with a Tax Reduction Assessment.

 

The assessment reviews your current tax situation to identify:

  • Strategic opportunities to reduce current tax liabilities

  • Opportunities to reduce future tax liabilities

  • Missed deductions, elections, or planning strategies

  • Problems that may be unnecessarily increasing your tax exposure

  • Gaps between your tax strategy and broader financial plan

  • Retirement, estate-planning, insurance, or succession concerns

  • Decisions that may require greater coordination between your professionals
     

The purpose is to help you understand the options available for addressing your tax concerns, introduce strategies that may fit your situation, and clearly explain the potential benefits, limitations, costs, and tradeoffs of each approach. This gives you the information needed to make an informed decision about which strategies, if any, should become part of your plan.
 

From there, we develop a coordinated plan that considers the tax impact, financial impact, long-term consequences, implementation requirements, and the professionals who need to be involved.

This process is designed to move beyond isolated recommendations and create a clear path from identifying an opportunity to implementing the strategy.

Andrew began his career as a traditional financial advisor. Early on, he recognized that proactive tax planning was rarely part of the financial-planning conversation. When taxes were discussed, the advice was often the same: defer taxes and postpone the tax problem until sometime in the future, usually retirement.

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That realization led him into tax preparation. Once there, he discovered a similar problem. Tax preparation generally focuses on reporting what has already happened, while proactive tax planning—helping clients make better decisions before the tax consequences occur—is rarely included.

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He also began to see just how underserved business owners are by the traditional financial-services model. A business owner's financial life is rarely simple. Their business, personal income, taxes, retirement, insurance, real estate, succession plans, employees, estate plan, and access to capital can all be connected. Yet those areas are frequently handled by different professionals, each focused on only one piece of the picture.

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A traditional advisor may focus primarily on investments and retirement accounts. A tax professional may focus on preparing the return. An attorney may address legal documents. An insurance professional may focus on protection. Each may do excellent work, but the business owner is often left responsible for figuring out how all of those recommendations fit together.

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Andrew believed business owners needed something different: a planning process built around the entire picture.

Taxes are a major part of that picture. They affect cash flow, investment decisions, retirement income, business growth, access to capital, estate planning, and the amount of wealth ultimately transferred to the next generation. Andrew began studying strategic tax planning so he could help clients do more than file an accurate return. He wanted to help them identify opportunities to reduce current and future tax liabilities while also understanding how each decision could affect the rest of their financial lives.

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Andrew founded Legacy Planning Desk to bridge the gap between traditional financial advice, tax preparation, and the broader planning business owners and high-income families need.

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As an Enrolled Agent and wealth strategist, Andrew helps clients look beyond isolated recommendations. His goal is not simply to recommend another financial product or individual tax strategy. He works with clients and their professional teams to identify planning gaps, understand how the different parts of the plan affect one another, and create a coordinated process for moving the plan forward.

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His work focuses on integrating strategic tax planning with cash flow, retirement planning, estate planning, business succession, insurance, asset protection, and long-term wealth strategies. He believes effective planning should do more than reduce this year’s tax liability. It should also consider how today’s decisions may affect the client 10, 20, 30, or even 40 years from now—and how those decisions may ultimately affect future generations.

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Professional development is an important part of Andrew’s work. He spends approximately one hour a day, five to six days a week, studying taxes, estate planning, business succession, retirement planning, insurance strategies, and other areas that may affect his clients. Tax laws, financial strategies, businesses, and clients’ lives are constantly changing, and Andrew believes continuous education is necessary to provide thoughtful, informed guidance.

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Outside of work, Andrew is the father of a 13-year-old son and is actively involved in coaching youth wrestling. He also spends much of his time growing food and working on his homestead.

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Andrew Keehn
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