Tax-smart portfolio management
Wealth Management
A careless tax strategy can cost hundreds of thousands of dollars over a lifetime. We manage your portfolio with taxes at the center of every decision.
What You Keep Matters More Than What You Earn
Most investment advice focuses on returns. We focus on what you actually keep after taxes, fees, and inflation. That is the number that determines your retirement lifestyle. The difference between a tax-aware strategy and a careless one compounds every year. A single poorly timed Roth conversion or an unnecessary capital gains event can cost more than a year of advisory fees.
We do not just manage your portfolio. We manage it alongside your estate plan, your tax situation, and your retirement timeline as one integrated strategy.
What Estate-Integrated Management Looks Like
What makes RJP different is that your investment strategy is built alongside your estate plan from the start. Asset titling, beneficiary designations, and trust funding are not afterthoughts. They are part of the portfolio design.
- Tax-loss harvesting, offsetting gains throughout the year rather than scrambling at year-end
- Asset location, holding tax-inefficient assets in IRAs and tax-efficient assets in taxable accounts
- Trust-aligned titling, confirming every account is titled and beneficiary-designated to match your plan
- Roth conversion windows, using lower-tax years to shift assets into tax-free vehicles
- Fiduciary advice, legally bound to put your interests first on every recommendation
Why It Matters
Over a 25-year retirement, the difference between a tax-aware portfolio and a careless one can run into hundreds of thousands of dollars. Coordination is what produces that result. A portfolio managed in isolation from your estate plan leaves money on the table every single year.
We do not just manage your portfolio. We manage it alongside your estate plan, your tax situation, and your retirement timeline as one integrated strategy.
When Tax-Smart Management Matters Most
These situations are where proactive tax management creates the biggest impact.
- Switching Financial Advisors. Transitioning a portfolio without triggering a large capital gains bill requires careful, staged execution.
- Families with Complex Estates. When investments span trusts, personal accounts, and retirement plans, coordination prevents costly gaps.
- Post-Inheritance Planning. Inherited assets come with unique tax rules. Stepped-up basis, RMDs, and trust distributions all need attention.
- High-Income Earners Nearing Retirement. Your peak earning years are the best time for strategic Roth conversions and tax-bracket management.
Meet Your Advisors
Decades of Credentialed, Fiduciary Experience
The wealth and retirement work happens with the people below. Each one carries the licensing, registrations, and continuing education behind every recommendation we make.
Chris Cohan
CEO | ChFC®, RMA®
ChFC® · RMA® · Series 6, 63, 65 · AZ Life & Health
With over 25 years in financial services and deep Arizona roots, Chris takes a steady, thoughtful approach to wealth and estate planning. As a Chartered Financial Consultant® (ChFC®) and Retirement Management Advisor® (RMA®), he helps individuals and families build, protect, and transfer wealth through personalized strategies.
View ProfileStephen Levin
Tucson Director of Risk Management | Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Stephen brings a background in risk management to his role at RJP, where he helps Tucson-area families protect what they've worked so hard to build. Before transitioning into estate and insurance planning, he spent years in risk-management leadership, learning how to spot vulnerabilities and build strategies that hold up when it matters most.
View ProfileRon Tallou
Wealth Management Advisor, Fiduciary
Series 6, 63, 65 · Licensed Insurance Agent
Born and raised in Michigan, Ron developed a strong work ethic and deep appreciation for community values early in life. These formative experiences ignited a lifelong passion for wealth management, ultimately shaping his career in finance.
View ProfileThomas Fryar
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
As a financial services professional since 1978, Thomas has developed risk-managed retirement income and estate-transfer strategies that help clients protect lifetime cash flow, provide for surviving spouses or special-needs family members, and pass wealth efficiently across generations. His four decades in life insurance and planning inform a disciplined, education-driven approach to protecting family assets.
View ProfileLenny Trujillo
Senior Planning Consultant | CLDP | Licensed Insurance Agent
Certified Legal Document Preparer (CLDP) · Licensed Insurance Agent
For more than 25 years, Lenny has helped Arizona families sit down at the kitchen table and finally make sense of retirement, trusts, and what happens to everything they've worked for. A Certified Legal Document Preparer and licensed life and health insurance agent, he walks clients through revocable living trusts, special needs planning, powers of attorney, and insurance-based asset protection in plain English. Clients consistently describe him as patient, warm, and genuinely interested in their story, the kind of advisor who'll pause the paperwork to hear about the grandkids before getting back to the signatures.
View ProfileRalph Abate
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Drawing on more than 30 years in insurance and retirement-income planning, Ralph structures tax-efficient wealth-transfer and protection solutions for RJP clients. His analytical approach and coaching style help households understand complex options and make informed decisions.
View Profile
Client Testimonials
Common Wealth Management Questions
Answers to the questions Arizona families ask most about wealth management.