About Break Line Wealth + Tax
Your advisors may be good. Are they working from the same plan?
Break Line Wealth + Tax brings your investments, taxes, and legal planning into one plan, so every major decision is made with the full picture in view.
Built for the gaps between your advisors.
You may already have a CPA, an investment advisor, an estate attorney, and an insurance professional. Each of them may be very good at what they do. The challenge is that they rarely work from the same plan.
When those conversations happen separately, a tax decision can quietly work against an investment decision. An estate plan can fall out of date after a business change. Opportunities get missed because nobody was asked to look at how the pieces connect.
A good plan is built around the full picture, not predictions.
So we start with better questions.
What are you trying to build?
Where is the pressure right now?
What is working, and what is missing?
Which decisions matter most over the next twelve months?
The Name
Why “Break Line”?
In architectural drawing, a break line marks the point where the drawing stops but the structure keeps going. It is a reminder that what is shown on the page is rarely the whole picture.
That idea is at the center of how we work. Most financial advice is drawn in pieces, with one professional sketching the portfolio, another the tax return, and another the estate plan. Break Line exists to draw the full structure and make sure every part is designed to support the rest.
The name also stands for breaking away from the traditional playbook most people are handed. It means breaking old generational patterns around money, and breaking an industry norm that has kept full-picture planning largely reserved for the ultra-wealthy.
See the full structure. Build with intention.
Our investment approach
Six places your money can work
If most of what you own is tied to the stock market, one bad year affects everything at once. Our approach was shaped by the 2008–2009 financial crisis, so we build plans that do not depend on a single market.
Where your money can work
Many traditional advisors
Many advisors
Break Line
Stocks, bonds, and cash
The foundation, managed around your goals and how much risk you are comfortable with.
Investments in private companies
Ownership in companies that are not traded on the stock market, for investors who qualify.
Investments outside the stock market
Options such as oil and gas and other private investments, for investors who qualify.
Real estate
Property investments, including 1031 exchanges, planned with your taxes in mind.
Tax planning strategies
Planning your taxes throughout the year, not just at filing.
Life insurance and annuities, set up correctly
Used as part of your plan, not sold to you as a separate product.
Not every strategy is appropriate for every client. Some options are available only to qualified or accredited investors and involve additional risks. Comparison reflects common industry practice, not any specific advisor.
“Advice is easy to find. Clarity is harder.”
What working with us looks like
A clear path from first conversation to one working plan.
You should know what happens at every stage before you commit to anything.
It starts with a conversation.
Before anything else, we have a 30-minute Introduction Call about your goals, your current setup, and whether we are the right fit. There is no cost and no obligation. If it makes sense to continue, the process looks like this.
01
The Break Line Assessment
You share your full financial picture, including tax returns, account statements, business financials, estate documents, and insurance policies. Our team reviews how everything fits together and identifies five to seven specific areas where the pieces of your plan could work better together. You see the findings first, before any recommendation is made.
02
Your Break Line Blueprint
Based on what the Assessment reveals, we recommend the level of planning that fits your situation and walk you through the options. Every Blueprint is built on a complete financial plan, which becomes the foundation for every decision that follows.
03
Implementation Through the Break Line Collective
Your Blueprint is put into action. We bring in the right specialists from the Break Line Collective, line up the tax and legal work, and begin managing your investments according to the plan. You are no longer the one translating between professionals.
04
Oversight and Refinement
This is not a once-a-year check-in. We keep full visibility into what has been built and refine the plan as your life changes. A new role, an inheritance, a business sale, or a move can all reopen the plan. Regular Blueprint Reviews keep everyone working from the same, current strategy.
What this looks like in practice
Consider a business owner a few years from a potential sale. Her CPA handles the annual return, her advisor manages the portfolio, and her estate documents were drafted before the business grew. Each piece is sound on its own.
The Assessment shows how those pieces interact. The Blueprint puts the decisions in the right order. The Collective brings the tax, legal, and investment work onto one timeline, so the sale is planned as part of the full structure rather than as a single event.
Illustrative example only. Not based on a specific client and not a prediction of any outcome.
Three Blueprint levels, matched to the complexity of your situation.
After your Assessment, we recommend the Blueprint that fits. You are not asked to guess.
Wealth
Blueprint Essential
A complete financial plan paired with investment management and access to our full range of investment options. Built for professionals, families, and those approaching or in retirement who want a clear picture and a plan to follow.
Wealth + Tax
Blueprint Enhanced
Everything in Essential, plus proactive tax planning and tax preparation. Built for clients whose tax situation has become a real planning issue and who want their wealth and tax strategy working from one plan.
Wealth + Tax + Legal
Blueprint Elite
Everything in Enhanced, plus estate and trust planning built into the same plan. Built for business owners, real estate investors, and those managing multiple entities, equity compensation, or an upcoming liquidity event.
For accredited investors
Break Line Private Client
For accredited investors and business owners who need wealth, tax, and legal planning working together from day one, with a higher level of customization and access. Private Client has its own pathway, calibrated to that level from your very first conversation.
One trusted relationship. A full team behind every decision.
The Break Line Collective is our living library of specialists. It includes our own wealth advisors and tax strategists, along with vetted specialists in real estate, asset protection, estate and legal planning, insurance, and lending.
This is not a referral list. Collective members understand how we work, share context on your plan, and collaborate on your behalf. Who joins the conversation, and when, depends on what your situation requires.
Wealth Advisors
Your Wealth Advisor connects where you are today with where you want to go, and keeps every decision tied to your goals.
Tax Strategists
Taxes touch nearly every financial decision. Your Tax Strategist works proactively so you can see the tax impact before you act, not after.
Real Estate Specialists
Guidance on property decisions, including 1031 exchanges and short-term rentals, positioned within your larger plan.
Asset Protection
Structures that help protect what you have built from risks such as lawsuits and creditors, built into the rest of your plan.
Estate and Legal
Wills, trusts, and the legal structures behind your plan, built with experienced estate attorneys.
Insurance and Lending
Insurance set up correctly, and lending options such as mortgages and lines of credit, considered as part of the full plan.
Who we work best with
We tend to be a strong fit for people who are doing well, ask good questions, and suspect there is a better way to run their financial life.
Business Owners and Entrepreneurs
Planning around taxes, liquidity, protection, growth, and eventual transition.
Senior Executives and High-Income Professionals
Physicians, attorneys, and executives who need more than a retirement-account conversation.
Real Estate Investors
Planning that reflects how wealth is often built in the real world.
Families Focused on Long-Term Stewardship
Protecting what has been built and making deliberate decisions for the next generation.
Leadership
The people behind the plan
Robert Annable
Founder | Wealth Advisor + Tax Strategist
Nikki Polistina, CFP®
President | Director of Financial Planning
Frequently asked questions
What does Break Line Wealth + Tax do?
Break Line Wealth + Tax is a coordinated wealth and tax firm. We bring your investments, tax planning, legal and estate planning, and major business decisions into one strategy, working alongside a vetted team of specialists called the Break Line Collective.
What happens on the first call?
The Introduction Call is a 30-minute, no-cost conversation about your goals, your current setup, and whether Break Line is the right fit. If it makes sense to continue, we explain what the Assessment involves and what we would need from you.
What is the Break Line Assessment?
The Assessment is a review of your full financial picture, including tax returns, statements, business financials, estate documents, and insurance. We identify five to seven specific areas where the pieces could work better together and share those findings with you before making any recommendation.
How do I know which Blueprint is right for me?
You do not have to figure that out on your own. After the Assessment, we recommend the Blueprint level that fits the complexity of your situation and explain why.
Do I have to replace my current CPA or attorney?
Not necessarily. If your existing professionals are a good fit, we work with them. If there are gaps, we can bring in specialists from the Break Line Collective.
How are fees determined?
Fees depend on the Blueprint you choose and the complexity of your situation. We walk through them clearly during the proposal conversation, before you commit to anything.
Start with a conversation.
Whether you are evaluating a new advisor, looking for a second opinion, or simply want a clearer view of your current strategy, the first step is a call.
A 30-minute conversation. Not a sales pitch.