Klyman Financial · Midtown Manhattan
Strategic Tax Planning Services in New York City
Make tax decisions part of your financial plan.
What you keep after taxes helps determine what your wealth can do for you. Klyman Financial brings tax considerations into your investment, retirement, and family planning decisions, with coordination alongside your CPA and other professional advisors.
Request an appointment in Midtown Manhattan or begin with a phone call.
Plan around the decisions ahead
Give your next financial move a clearer direction.
Before you sell
Consider how realizing gains fits your investment needs and broader tax picture.
Before you retire
Connect your account types, future withdrawals, and income needs.
Before you give or transfer wealth
Bring your family priorities and tax professionals into the same conversation.
Yair & David Klyman
Co-founders & Financial Strategists
Why work with Yair and David?
Two generations of perspective. A personal approach to your wealth.
Yair and David Klyman built their father-and-son firm around a simple belief: you should understand the financial decisions that shape your family’s future. From their New York City office, they help connect the pieces of your financial life and explain why each recommendation belongs in the plan.
Yair Klyman, BFA™
Yair’s work with professionals, entrepreneurs, and high-net-worth families focuses on turning financial complexity into clear priorities. His education-first approach helps clients understand how their investments, retirement choices, and family goals fit together.
David Klyman, BFA™
David brings decades of experience advising families and a relationship-first perspective. He helps clients weigh their options, understand the tradeoffs, and keep long-term priorities in view as their circumstances change.
Together, they bring tax considerations into the broader financial discussion and help you coordinate next steps with your CPA and attorney.
Direct relationships
Know who is helping you evaluate the decisions ahead.
Clear explanations
Understand the reasoning, potential benefits, and tradeoffs.
A coordinated perspective
Connect taxes with your investments, retirement, and family goals.
Look ahead
Your next tax return starts with the decisions you make today.
A return records the tax consequences of decisions already made. Planning creates time to consider those consequences while you still have choices: which investments to sell, how to fund retirement, when to draw income, and how to support the causes you care about.
Those decisions also affect cash flow, investment risk, and the people who depend on you. We help you evaluate them in the context of your financial plan, with your tax advisor addressing the rules and calculations that apply to your situation.
Two complementary roles
Connect the financial plan and the tax picture.
Your tax professional
Evaluates your tax position, prepares filings where engaged, and advises on applicable tax rules.
Your financial planning team
Helps align investment decisions, retirement income, cash needs, and family goals with the tax considerations your professionals identify.
The goal: better informed decisions before important deadlines or transactions.
What we can help you explore
Where tax strategy meets your financial life.
Your priorities determine which topics belong in the conversation. We consider potential tax effects alongside your goals, risk tolerance, cash needs, and the advice of your tax professionals.
Investment & capital gains planning
Selling an appreciated investment can affect more than your portfolio. We can review the timing of sales, portfolio rebalancing, and which types of accounts hold your investments. Where appropriate, the discussion may include tax-loss harvesting, with your tax advisor evaluating applicable rules and the effect across your accounts.
Retirement contributions & Roth decisions
The choice between pretax and Roth savings can shape both today’s cash flow and future retirement income. We can explore contribution priorities and whether a Roth conversion merits analysis, considering the potential current tax cost, your time horizon, and the effect on your broader plan.
Retirement income & withdrawals
How you draw from brokerage, retirement, and Roth accounts can influence the income available to support your lifestyle. We help coordinate withdrawal planning with cash needs, Social Security decisions, and required distributions, while your tax professional evaluates the resulting tax implications.
Business owner & professional planning
Business income, bonuses, and a potential sale can create important personal planning decisions. We help you connect those events with retirement funding, liquidity, investment choices, and family priorities. Business tax structure and transaction-specific tax advice remain with your qualified tax and legal professionals.
Charitable giving strategies
Giving should reflect both the causes you care about and your family’s financial needs. We can discuss how cash gifts, appreciated investments, or other giving approaches may fit your plan, and coordinate with your tax advisor to evaluate eligibility, timing, and potential tax treatment.
Estate & family wealth coordination
A thoughtful financial plan considers the people who will eventually receive your assets. We can review how account ownership, beneficiary designations, insurance, and lifetime giving fit your intentions, then coordinate relevant questions with the attorney and tax advisor responsible for your estate and tax advice.
New York City tax planning
A local team for a financial life with moving parts.
Based in Midtown Manhattan, Klyman Financial works with people whose financial decisions often reach beyond a single paycheck or account. A growing income, business interest, retirement transition, or family commitment can make coordination especially valuable.
For people living or working across state lines, your CPA can assess residency and filing obligations. We help bring the financial implications into the investment, retirement, and cash-flow decisions you are making.
Meet us in Midtown Manhattan.
675 Third Avenue, Suite 920 New York, NY 10017
Office appointments, phone calls, and virtual meetings.
Professionals & higher earners
Your compensation has grown, and you want your savings and investment choices to reflect the full financial picture.
Business owners & entrepreneurs
Business cash flow, a potential exit, or a major reinvestment affects your personal and family plans.
People preparing for retirement
You want to understand how your savings can become income, including the tax considerations of different account types.
Families planning for the next generation
Giving, education, inheritance, and long-term support need to work together with your own financial security.
How the process works
Start with a conversation. Build from a clearer picture.
A practical process that gives each decision a purpose and puts the next steps in order.
Start with your priorities
Tell us what prompted you to reach out, what decisions are ahead, and what you would like to understand. The initial conversation helps us determine whether we may be a good fit.
Review the financial picture
If we work together, we review the relevant income sources, accounts, cash needs, and goals to identify where tax considerations intersect with your financial decisions.
Coordinate the next steps
We help organize the financial planning priorities and questions to address with your CPA or attorney, so decisions can be evaluated with the right professional input.
Revisit as life changes
Your plan may need attention as income, markets, family needs, or tax rules change. Ongoing review helps keep financial decisions connected to your current priorities.
Questions before you reach out
Strategic tax planning FAQs
What are strategic tax planning services?
Strategic tax planning considers how decisions made today may affect your financial life after taxes. At Klyman Financial, that means bringing tax considerations into financial planning and coordinating with your tax professionals across investments, retirement income, charitable giving, and family priorities.
Will Klyman Financial prepare my tax return?
Klyman Financial’s role on this page is financial planning and tax coordination. Neither Klyman Financial nor ThePARTNERS provides tax or legal advice. Tax return preparation, tax calculations, and advice on specific tax rules should be handled by your CPA or other qualified tax professional.
Can I keep working with my current CPA?
Yes. Your existing CPA can remain an important part of the process. The purpose is to connect their tax guidance with the investment, retirement, and cash-flow decisions in your financial plan.
When should I begin the conversation?
Reach out while you still have time to evaluate the options, especially before a significant investment sale, retirement, a business transaction, or a substantial gift. You can also start with a broader review when your income or financial responsibilities have become more complex.
Can tax planning reduce my tax bill?
Planning may identify opportunities to improve tax efficiency, but a particular outcome is never guaranteed. Any potential benefit depends on your circumstances, eligibility, applicable rules, costs, and the decisions you make. We consider those tradeoffs within your broader financial goals.
Do I need to visit the New York City office?
You can request an appointment at 675 Third Avenue, Suite 920, in Midtown Manhattan, or begin by phone or video. Use the form below to share what you would like to discuss and your preferred way to connect.
Your next step
What financial decision would you like more clarity on?
Tell us what is on your mind, whether it is an investment sale, retirement income, business cash flow, charitable giving, or simply a financial picture that has become more complicated.
Yair or David will review your message and follow up to discuss an appointment or phone call. You do not need a finished plan or a stack of organized statements to begin.
1. Share your priorities
Use the form to tell us what you would like to discuss.
2. Choose how to connect
Let us know if you prefer an office appointment, phone call, or virtual meeting.
3. Discuss the next step
Ask your questions and learn whether Klyman Financial may be a good fit.
Klyman Financial 675 Third Avenue, Suite 920 New York, NY 10017