Proactive Tax Planning & Optimization
Tax planning is more than crunching numbers—it’s about stewarding your resources wisely so you keep more of what you earn, give intentionally, and build a legacy that serves your family and your purpose.
At Servus Capital Management, we provide proactive, year-round tax planning for families across Lynchburg, Virginia, as well as Forest, Bedford County, and the surrounding Central Virginia communities. From investments to retirement income, charitable giving to business decisions, every recommendation is designed to reduce tax drag and strengthen long-term results.
As a fiduciary advisor, we partner directly with your CPA or tax professional to ensure seamless coordination and fully optimized strategies—so your tax plan supports both your financial goals and your life’s purpose.
Our Proactive Tax Planning & Optimization Services
Tax Minimization
Effective tax management starts with a coordinated plan. We reduce annual tax liability by aligning investments, account structure, and income strategies—helping families across Lynchburg, Forest, and Bedford County keep more of what they’ve worked hard to build.
RMD Management
Required Minimum Distributions (RMDs) can create unnecessary tax pressure if not coordinated properly. We help structure, time, and manage distributions to minimize taxes while supporting long-term retirement income—an essential service for retirees throughout Central Virginia.
Charitable Tax Strategy
Charitable giving should support the causes you care about while offering meaningful tax benefits. Whether through Qualified Charitable Distributions (QCDs), Donor-Advised Funds (DAFs), or strategic gifting, we help families across Lynchburg and Bedford County maximize both deduction and impact.
Income Balancing
Managing taxes means managing timing. We balance dividends, distributions, capital gains, and earned income to keep your tax bracket optimized year after year—providing smoother, more predictable planning for families throughout Central Virginia.
Roth Conversions
Roth conversions are powerful tools for reducing lifetime taxes. We help evaluate timing, tax impact, and conversion strategy, helping clients in Lynchburg, Forest, and surrounding counties build stronger, tax-efficient retirement income.
Business Tax Coordination
For business owners, personal and business taxes must work together. We coordinate retirement plans, income models, deductions, and entity structure with your tax professional—supporting entrepreneurs and small businesses across Lynchburg and Central Virginia.
Estate Tax Reduction
Protecting your legacy begins with minimizing unnecessary tax exposure. We design strategies to reduce estate and inheritance taxes so more of your resources pass to your family, church, or charitable priorities.
Our Vision
“At Servus Capital Management, our mission is to help people achieve the purpose and plan that God has for their life. Tax planning is an essential part of stewardship—ensuring your resources are used wisely and intentionally across every season.”
—
Allan Malina, Founder
From the Podcast
When it comes to Personal Risk Management & Insurance Review, you need information that safeguards your family, your assets, and your financial future.
Proactive Tax Planning: Families
In this episode of Purpose Driven Finances, Allan helps families wrap up the year with clarity instead of stress. He unpacks what’s happening in the markets and then walks through practical, high-impact tax strategies—including QCDs, tax-loss harvesting, HSAs, and Roth planning—that can lower your tax bill and strengthen your long-term plan.
This episode offers a simple, purpose-driven roadmap to reduce uncertainty, protect cash flow, and step into the new year with more confidence and peace of mind.
Proactive Tax Planning: Small Business
In this episode of Purpose Driven Finances, Allan explains how small business owners can use structure, clarity, and intentional year-end planning to protect cash flow and reduce stress. With markets shifting into more defensive conditions, he breaks down the forces driving late-year volatility—and why discipline matters more than headlines.
He then dives into the practical side of S-Corp planning: how salary and distributions work, what “reasonable compensation” really means, and how intentional structure can transform confusion into confidence. This episode offers a grounded, purpose-driven guide for business owners preparing for the year ahead.
Faith, Purpose & Financial Health
Proactive tax planning is an act of stewardship. By aligning financial strategies with your values, we help families across
Lynchburg, Forest, and Bedford County strengthen their future, live intentionally, and support the mission that matters most to them.
Why Choose Us for Tax Planning & Optimization
Purpose-Driven Approach
Your values—not tax formulas—guide the strategy.
Fiduciary & Fee-Only
No commissions. No conflicts. Transparent, client-first guidance.
Collaborative CPA Partnership
Seamless coordination with your tax professional.
Year-Round Strategy
Not seasonal—ongoing monitoring and adjustment.
Holistic Coordination
Investments, retirement, estate, and charitable planning all work together.
Plan Wisely. Live With Purpose.
Tax planning shouldn’t feel overwhelming. With proactive, coordinated strategies, we help families across Lynchburg, Forest, Bedford County, and Central Virginia reduce stress, keep more of their income, and strengthen long-term purpose—so their resources support the life and legacy they’re building.
