Tax-Aware Wealth Management and Financial Planning

One advisor. Your whole financial picture.

Viva Wealth Management practices holistic, tax-aware wealth management. It starts with a comprehensive financial plan built around your needs and goals, and tax strategy is woven into every part of it: how your portfolio is built and where each asset is held, when gains and losses are taken, how income is drawn in retirement, and how wealth passes to the next generation. Every recommendation is weighed for its after-tax result and overall tax efficiency, and coordinated with your CPA, and an open-architecture approach means it is chosen for your situation, not pulled from a house menu.

Schedule a call See what we help with

What brings you here?

Most people arrive with one decision in mind.

Borrow against your portfolio instead of selling Sell investments with the tax bill in mind De-risk a concentrated stock position Diversify an older portfolio without a large tax hit Manage a big tax bill Plan Roth conversions the right way Prepare to sell a business Coordinate your estate plan and wealth transfer

See every situation we plan for

Financial planning

It starts with a plan, not a product.

Before any investment or tax decision, we build a comprehensive financial plan around your goals: cash flow, investments, retirement, business, estate and giving, all in one place and kept current as life changes.

01 · First meeting

Fit and discovery

Make sure we are a good fit, then a full discovery of your situation. Bring your statements if you can.

02 · Second meeting

Preliminary plan

The approach I would take for your situation, with the trade-offs laid out.

03 · Onboarding

Asset transition

I handle the paperwork and move your accounts with as little friction as possible.

04 · The plan

Your working document

An in-depth financial plan that guides every decision, reviewed and updated over time.

See what to expect, step by step

Advisor and tax professional, side by side

The call you make when a financial decision gets complicated.

The best answers usually sit where investments and tax law meet. Chris works hand in hand with tax professionals, at Cross Financial or your own CPA, so the investment side and the tax side are worked out together. Two sets of eyes on the same problem tend to find options that neither would find alone.

That is the job: take the messy situation, lay out every workable path with its tradeoffs, and coordinate the people needed to carry out the one you choose.

  • A big gain is coming. Spreading sales across tax years, pairing gains with harvested losses, gifting appreciated shares, or exchanging a position instead of selling it.
  • You need cash but don’t want to sell. Borrowing against a portfolio, weighed against selling the lots with the smallest tax cost.
  • A business sale is on the table. Planning the structure, the timing and the reinvestment before the letter of intent, not after closing.
  • An inheritance just landed. Stepped-up basis, inherited IRA withdrawal rules, and fitting new assets into the rest of the plan.
  • Retirement income needs a plan. Which accounts to draw from, when to convert to Roth, and how to manage brackets year by year.
What this does and does not mean

Every strategy above has costs, risks and tradeoffs, and some will not fit your situation at all. Loss harvesting generally defers tax rather than eliminating it, borrowing against a portfolio can lead to collateral calls and forced sales, and tax law can change. Tax advice and return preparation come from your tax professional, not from Viva Wealth Management or Cross Financial Advisors, LLC.

Tax-aware, start to finish

Taxes are part of every decision, not an afterthought in April.

Tax side first

Before you sell, borrow, give or convert, the after-tax effect is modeled first. What matters is what you keep.

Every account, one plan

Which assets sit in which accounts, when gains and losses are realized, and how withdrawals are sequenced are planned together for the most tax-efficient result.

Coordinated with your CPA

Keep the CPA and attorney you trust, and they stay in the loop. If you would like accounting help, Cross Financial offers it.

One advisor, plain answers

One point of contact for the whole picture. Every strategy has tradeoffs, and you hear them up front, including when to wait.

See the strategies, with their trade-offs

How the pieces fit

Your wealth plan and your tax plan, working from the same page.

Most families have an advisor and an accountant who rarely talk. Viva Wealth Management is Christopher Acquaviva’s practice at Cross Financial, a firm that offers both accounting and wealth management and is part of Current, a national network of independent accounting firms. Whether your CPA is at Cross Financial or anywhere else, the plan works from the same page.

  1. We start with your whole picture. Your goals, accounts, cash needs, estate documents and, with your permission, your most recent tax return are reviewed before any recommendation is made.
  2. We model the tax effect before acting. Major decisions, such as a sale, a conversion, a gift, or a loan, are evaluated for their after-tax effect first.
  3. We share the plan with your CPA. Whether your accountant is at a Current network firm or anywhere else, planning items that touch tax are shared before year-end decisions are made.

How Viva, Cross Financial, and Current fit together

Who does what

Investment advisory services are offered through Cross Financial Advisors, LLC, an SEC-registered investment adviser. Tax preparation and accounting services, where offered, are provided by Cross Financial’s accounting practice, a separate entity, under a separate engagement, or by the accounting firm you choose. They are not provided by Viva Wealth Management or Cross Financial Advisors, LLC. We work with CPAs across the Current network and with the accountant you already have, and your existing CPA relationship stays yours.

Who we work with

Households with more than one moving part.

Clients tend to share one trait: their financial decisions carry tax consequences large enough to plan around. They often fit more than one of these descriptions.

Business owners

Selling, succession, and the plan for proceeds.

Executives and professionals

Equity compensation, concentrated stock, and high-income tax years.

Pre-retirees and retirees

Income sequencing, Roth conversions, and reducing risk on the right schedule.

Real estate investors

Liquidity, exchanges, and how property fits the rest of the balance sheet.

Families passing on or receiving wealth

Estate coordination, dynasty planning, inheritances, and giving.

Personal service

You work with Chris directly.

A Roth conversion schedule, a trust funding plan or a pre-sale sequence takes real hours for each family, every year. So the practice keeps the number of relationships manageable, and every client works directly with Christopher Acquaviva, not a call center or a rotating team.

The practice is the best fit when several decisions are in motion at once: a concentrated position, a business sale on the horizon, retirement income to set up, or an estate that needs more than a will.

For accountants

Your client relationship stays yours.

This practice is built to work alongside accountants. The model is defined so there is nothing to guess about: the accountant remains lead on the tax relationship, this practice does not prepare returns, and the accountant is copied on what happens.

Read the collaboration model

Questions

Common questions

What is tax-aware wealth management?

Tax-aware wealth management makes investment and planning decisions with their tax consequences considered from the start rather than reviewed at year-end. In practice that means deciding which accounts hold which assets, when gains and losses are realized, how a concentrated position is reduced, how Roth conversions are sized, and how a business sale or estate plan is sequenced, in coordination with your CPA and attorney. It does not include preparing tax returns or giving tax advice.

Who does Viva Wealth Management work with?

Viva Wealth Management works with a limited number of households whose financial decisions carry tax consequences large enough to plan around: business owners, executives and professionals, pre-retirees and retirees, real estate investors, and families passing on or receiving wealth. The practice works with clients across the country, subject to applicable registration requirements.

How is Viva Wealth Management related to Cross Financial and Current?

Viva Wealth Management is Christopher Acquaviva’s practice at Cross Financial. Investment advisory services are provided through Cross Financial Advisors, LLC, an SEC-registered investment adviser. Cross Financial is a partner firm of Current, a national platform of independent accounting firms formerly known as Crete Professionals Alliance.

Does Viva Wealth Management help with Roth conversions and estate planning?

Yes. Roth conversion planning, trust and estate strategy, dynasty and generation-skipping planning, charitable planning, and retirement income planning are part of the work. Legal documents are drafted by your attorney and tax returns are prepared by your CPA; this practice models the decisions and coordinates the plan.

Does Viva Wealth Management provide tax or legal advice?

No. Viva Wealth Management and Cross Financial Advisors, LLC do not provide tax or legal advice. Tax positions belong to your CPA and legal documents to your attorney. The practice coordinates with both so that investment decisions and their tax and legal consequences are considered together.

How are fees charged?

I generally charge an asset-based (AUM) fee that is competitive with the industry. Compensation is set case by case, and we will discuss it with you when we get to that point. When it is the right fit, I also do fixed-fee financial planning work. All fees are described in Cross Financial Advisors, LLC’s Form ADV Part 2A, which you receive before any advisory relationship begins.

What happens after the first conversation?

If we are a good fit, we meet a second time, typically within a week or two, to walk through a preliminary plan and the approach I would take. If you decide to move forward, we sign the advisory agreement, I handle the transition of your accounts, and then I build your in-depth financial plan. See the full process.

A conversation, not a pitch.

A first conversation usually runs 30 to 45 minutes. The goal is to establish whether the situation and the practice actually fit. If they do not, that is a useful outcome, and saying so is faster than the alternative.

Schedule a call

Working with clients across the country, by video and in person. Scheduling a call does not create an advisory relationship.