Knox Forward Tax Planner

Align Your Taxes With Your Financial Plan

At Knox Financial Services, we continually seek tools that help us deliver proactive, high‑value advice, which is why we leverage the Forward Tax Planner.

This powerful tax‑planning platform allows us to analyze your current tax situation, identify opportunities to reduce lifetime tax liability, and model forward‑looking strategies with clarity and precision. By integrating tax insights into your broader financial plan, Forward Tax Planner helps us move beyond last year’s return and focus on smarter, year‑round tax decisions—so you can keep more of what you earn and stay aligned with your long‑term goals.

I Have a Tax Professional - What Does This Service Provide?

The Knox Forward Tax Planer is designed to work alongside your tax professional. Both your Tax Professional and Knox Financial Services are focused on the same goal - optimal outcomes - but from different perspectives.

The Knox Forward Tax Planner helps connect the dots between investing, retirement income, risk management, and taxes—so decisions aren’t made from separate perspectives. With Forward Tax Planner, both Tax Professionals and Knox Financial Services may work from a shared understanding of your goals, timing, and priorities.

The More We Know - The Better Advice We May Offer

Better information leads to better decisions—when we understand the full picture, we deliver advice that’s more proactive, coordinated, and aligned with your long‑term goals.

"I have always believed that what our clients get to keep - after taxes - is the most important outcome. Our Plan Well, Invest Efficiently, Relax process has always included tax consequences as part of the design. With Tax Forward, we elevate our planning process to fully incorporate your entire tax situation with your investment portfolio, risk management, and overall financial strategy - that will lead to even better outcomes." - Jason Knox, AIF^(R), CRC^(R)

How Does It Work?

We upload your tax return to our Knox Forward Tax Planner, which then analyzes it. A complete report of your tax situation, including:

Filing status
Federal and state marginal tax brackets
Effective tax rate
Ordinary income vs. capital gains
Key deductions and credits
Capital gains and losses
Medicare IRMAA threshold indicators

is produced. In addition, recommendations are provided, including:

Roth conversion opportunities
Capital‑gain management strategies
Charitable giving optimization
Income smoothing opportunities
Medicare premium exposure (IRMAA alerts)
Tax‑loss harvesting cues
HSA contribution opportunities

Marginal Tax Rate

Visualize your current tax bracket and capacity for additional income at the same rate

Capital Gains

See your capital gains tax bracket, aligning unrealized gains as part of your investment strategy

Medicare

See how your income affects your Medicare premiums

Gain Insights

Forward Tax Planner provides specficic recommendations for both your current and long-term tax strategy

Let's Get Started!

Upload Your Tax Return

Complete the form below and upload your tax return.

The original file as a .pdf will work best. Photos do not work.

We Evaluate The Return

Knox Forward Tax Planner will analyze your tax return for insights.

Review Results

We share the analysis with you. When appropriate, your Advisor will make recommendations based on the tax form analysis. If desired, we will also work with your Tax Professional to review the analysis.

Knox Forward Tax Center – Frequently Asked Questions

Is this service offered through Lincoln Investment?
No. Lincoln Investment does not offer or supervise tax planning services. Lincoln Investment is a broker-dealer and registered investment advisor offering investment products and investment advisory services. Lincoln Investment does not provide tax, legal, or accounting advice. Lincoln Investment does supervise financial planning activities.

Will the Knox Forward Tax Planner file my taxes?
No. The planner does not replace tax preparation and filing. It is a tool for gaining insight into your overall tax situation, which helps create better financial plans.

What is the Knox Forward Tax Planner?
The Knox Forward Tax Planner is an advanced planning tool that evaluates tax opportunities and risks within your broader financial plan. It helps you and your advisor look forward—not backward—by modeling how today’s decisions may affect your taxes over time.

The Forward Tax Planner is powered by Nitrogen, a provider of risk management and financial planning software. Jason Knox, AIF^(R), CRC^(R), has used Nitrogen since 2017.

Why does Knox Financial Services use the Knox Forward Tax Planner?
We believe the Forward Tax Planner provides an opportunity to deliver more proactive and strategic advice. The platform allows us to analyze scenarios such as retirement income planning, Roth conversions, investment decisions, and income timing—all through a tax‑aware lens—so strategies are aligned with your long‑term goals.

Does the Forward Tax Planner replace my CPA or tax preparer?
No. In no way does the Knox Forward Tax Planner seek to replace your CPA or tax professional. Instead, it seeks to complement their work by helping all parties identify planning opportunities. The Knox Forward Tax Planner process may allow for coordination with your tax professional.

Is there a cost for the Knox Forward Tax Planner?
There is no cost for existing Knox Financial Services clients with an active advisory agreement. For non-clients seeking tax analysis, the Forward Tax Planner is available for a fee.

What types of strategies can Knox Forward Tax Planner help evaluate?
Knox Forward Tax Planner can help analyze strategies such as Roth conversions, tax‑efficient investment allocation, retirement withdrawal sequencing, Social Security timing, charitable giving strategies, and the tax impact of major financial decisions.

Is Knox Forward Tax Planner about saving taxes this year?
While near‑term tax savings may be identified, Knox Forward Tax Planner is primarily focused on reducing lifetime tax exposure and improving after‑tax outcomes over the long run.

How does Knox Forward Tax Planner fit into my overall financial plan?
Knox Forward Tax Planner is integrated into your overall planning process. Tax insights are reviewed alongside investment strategy, risk tolerance, cash flow, and retirement goals—ensuring recommendations are cohesive, not isolated.

Will Knox Forward Tax Planner change my current plan?
Not necessarily. In many cases, it validates that your plan is already on track. When opportunities or risks are identified, your Knox Financial Services Advisor will discuss options with you and, as always, only make changes with your understanding and approval.