CPA Coordination
We coordinate the investment side of your financial life with the guidance your tax professional provides — keeping each decision in the right hands.
Schedule ConsultationWhat is CPA Coordination?
What Is CPA Coordination?
Many of the most consequential financial decisions you make carry significant tax implications — and those implications should inform how your investment accounts are structured and managed. When investment planning and tax planning work in isolation from each other, the result is often unnecessary tax drag, missed opportunities, and decisions that look right on paper but create avoidable costs at tax time.
CPA Coordination is Hafnia Financial's approach to closing that gap.
How It Works
Your CPA, enrolled agent, or tax attorney is the licensed professional responsible for your tax strategy. Our role is to make sure your investment accounts are structured and managed in a way that is consistent with the guidance your tax professional provides.
In practice, this means we work alongside your tax professional on decisions such as:
• Asset location — placing investments in taxable vs. tax-advantaged accounts in a way that reflects your tax situation • Tax-loss harvesting — identifying opportunities to realize losses in coordination with your tax professional's recommendations • Retirement account sequencing — determining which accounts to draw from and in what order during retirement, with tax efficiency in mind • Contribution structuring — particularly for business owners coordinating retirement plan contributions with their overall tax strategy • Charitable giving timing — aligning investment decisions with charitable contribution strategies your tax professional recommends
The division of responsibility is clear: your tax professional advises on taxes. We coordinate your investment plan around that guidance. Every decision stays in the right hands.
What If You Don't Have a CPA?
If you do not currently work with a tax professional, we may be able to introduce you to a CPA we have worked with in the past. Any such introduction is made as a courtesy — we do not receive compensation from any tax professional for referrals, and no tax professional pays us for introductions to their practice. You are under no obligation to engage anyone we introduce you to, and you are always free to work with a tax adviser of your own choosing.
Who This Service Is For
CPA Coordination is particularly valuable for individuals and families whose financial lives involve meaningful complexity — business owners managing both personal and business finances, retirees navigating account drawdown and income planning, investors with concentrated positions or significant taxable accounts, and anyone who wants their investment strategy and tax strategy to work together rather than independently.
Disclosures
Hafnia Financial, Inc. is a registered investment adviser with the California Department of Financial Protection and Innovation (DFPI). Registration does not imply any particular level of skill or training. Hafnia Financial, Inc. does not provide tax advice. Only a licensed CPA, enrolled agent, or tax attorney can provide tax advice. Our role is limited to coordinating the investment side of your financial plan with the guidance your tax professional provides. CPA Coordination does not guarantee specific tax outcomes. Investing involves risk, including the possible loss of principal.
Conflict of Interest: Jan Gleisner, President of Hafnia Financial, Inc., is also a licensed independent insurance agent who sells insurance products — including fixed indexed annuities — through a separate entity. He receives commissions from issuing insurance companies for those sales. This creates a potential conflict of interest in contexts where investment, tax, and insurance planning overlap. Clients are under no obligation to purchase any insurance product. This conflict is fully disclosed in our Form ADV Part 2A and Part 2B, available at adviserinfo.sec.gov or upon request.
CPA referral arrangements are arm's-length. Hafnia Financial, Inc. receives no compensation for referring clients to tax professionals, and no tax professional pays Hafnia Financial for client introductions. Services are subject to a formal advisory agreement. Please review our Form ADV Part 2 brochure for complete information about our services, fees, and conflicts of interest — available at adviserinfo.sec.gov or upon request.
Who This Service Is For
This service is designed for individuals and families who want their investment plan coordinated with the recommendations of their tax professional, or who would benefit from a referral to a CPA they can work with — including individuals with complex tax situations, business owners coordinating retirement contributions and investment accounts, retirees and pre-retirees managing withdrawal sequencing across multiple account types, and anyone whose investment accounts and tax planning have historically operated independently of each other.
Key Benefits
Cleaner separation of roles — your tax professional handles tax decisions; we handle investment implementation consistent with their guidance and your review and approval. Neither role bleeds into the other.
Investment accounts that reflect your tax situation — asset location, contribution timing, and withdrawal sequencing can all be structured with your CPA's recommendations in mind.
Reduced coordination friction — we communicate directly with your CPA so you are not the sole conduit between your investment adviser and your tax professional.
Access to a tax professional if you need one — if you do not currently have a CPA, we can introduce you to a tax professional we have worked with (see referral disclosure above).
Our Approach
CPA Introduction
If you have a CPA, we reach out to coordinate directly with them at the outset of our engagement. If you do not have a CPA, we can introduce you to a tax professional we have worked with in the past, subject to the referral disclosure above. Engaging a tax professional is your decision; you are not required to use anyone we introduce you to.
Investment-Side Review
We review your investment accounts and identify decisions — contributions, withdrawals, asset location, loss harvesting — that carry tax implications worth discussing with your CPA. We present our observations to you and, with your permission, to your tax professional for their input.
Coordinated Implementation
We implement investment-side decisions in a manner consistent with the tax guidance your CPA provides. Your tax professional advises on what is appropriate from a tax perspective; we structure and manage the investment accounts accordingly. We do not execute investment transactions at the direction of your CPA as though they were providing investment advice — our investment decisions are our own, informed by your tax professional's guidance.
Ongoing Coordination
As tax law, your circumstances, and your financial goals evolve, we maintain an ongoing line of communication with your CPA to keep the investment side of your plan aligned with their current recommendations.
Ready to Get Started?
Contact us to discuss how our CPA coordination services can help you achieve your financial goals.
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Investment Philosophy
A disciplined, research-driven approach that incorporates active risk management.
A disciplined, research-driven process tailored to each household's individual circumstances
Active risk management as a meaningful part of our investment process
Evaluation of sectors and review of analyst research informing our recommendations
Retirement Planning
A personalized retirement strategy suited to your goals, timeline, and circumstances.
A personalized strategy tailored to your goals — rather than a one-size-fits-all approach, we work to understand your retirement vision, income needs, and risk tolerance before making any recommendations.
A structured framework for retirement income — we help you think through how and when to draw from different account types, with the goal of supporting a sustainable spending plan. Income in retirement depends on many factors and cannot be guaranteed.
Coordinated investment management — we seek to construct and manage a diversified investment portfolio aligned with your retirement timeline and risk tolerance. Diversification does not guarantee a profit or protect against loss in declining markets.