Tax Forward
Flat-Fee
life + business
Less financial noise. More time for what matters.
Clarity.Confidence.Control.
Core Services
Tax Planning
Ongoing tax planning focused on managing tax exposure
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Ongoing planning throughout the year for both business and personal income
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​Considerations around the timing of income recognition and deductible expenses
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Guidance on owner compensation strategies and entity structure
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Integration of retirement plans as part of a broader tax and wealth strategy
Enterprise & Exit Planning
Planning focused on understanding business value and preparing for a future transition
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Clarity on what your business is worth and what drives its value
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Identification of gaps and opportunities to support enterprise value
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Strategic planning for a future transition or exit
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Alignment of your business decisions with your personal goals
Investment & Portfolio Management
Thoughtful investment management aligned with your goals
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Investment strategy aligned with your cash flow needs and income variability
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Tax aware portfolio design
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Ongoing monitoring and management ​
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Risk management considerations tailored to business ownership
Business & Personal Financial Coordination
One advisor coordinating your full financial picture so financial decisions stay aligned
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Coordination with your CPA, attorney, and other advisors
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Alignment of tax, investment, and financial planning decisions
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Guidance on key financial decisions as your business evolves
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A unified approach to managing both business and personal finances
A Process Built Around Your Business and Your Life
Step 1: Discovery & Alignment
We start by understanding your business, your personal finances, and where you want to go. No two business owners arrive at the same place, so we take time to understand what success actually looks like for you before developing a plan.
Step 3: Ongoing Planning​
As your business grows and circumstances change, your plan evolves with it. We stay connected throughout the year to help identify opportunities and address issues as they arise.
Step 2: Strategy & Financial Plan
We help develop a coordinated strategy that connects your business and personal finances. Tax planning, investment decisions, retirement strategies, and exit considerations are aligned into a clear plan built around your long-term goals.
Guidance & Decision Support
Business owners face decisions that don't always fit neatly into a scheduled review. When something comes up like a potential acquisition, a key hire, a refinancing question, or a cash flow concern, you have someone to call who is familiar with your full financial picture.
About
Kendall Maccagnan, CPA, CFP®
Founder of Off the Bay Wealth
Hello! I’m Kendall Maccagnan, a fee-only financial planner. Before starting Off the Bay Wealth, I spent over eight years working at medium to large organizations starting in public accounting as an auditor and later transitioning to private industry.
During that time, I gained insight into how established businesses operate at both a detailed and strategic level. I worked closely with the full accounting cycle, from day to day processes like accounts payable, accounts receivable, and month end close, through to financial statement preparation, reporting, and budgeting. I also gained exposure to broader corporate initiatives such as mergers and acquisitions and debt refinancing, which provided me insight into how larger businesses evaluate growth and navigate change.
Today, I bring that perspective to the individuals and small business owners I work with. My goal is to help you apply the same level of structure and intentional planning used by larger organizations to your own financial life in a way that fits your goals, your business, and your version of success.
