Carrie Houchins-Witt Tax and Financial Services LLC

The firm is a boutique tax and financial planning practice that primarily serves individuals approaching or in retirement and clients navigating divorce. It provides comprehensive personal financial planning—retirement planning, Social Security claiming advice, cash-flow and debt-reduction planning—alongside income tax preparation, IRS representation, bookkeeping, QuickBooks training and payroll services.

Investment advice is delivered as part of a broader financial plan and emphasizes broadly diversified, low-cost index mutual funds and ETFs, appropriate asset allocation, tax-efficient asset location and tax-sensitive withdrawal sequencing rather than market timing. The firm makes recommendations and conducts engagements on a non-discretionary, episodic basis and does not provide ongoing account monitoring or custody of client assets.

Notably for a small, supported firm, it combines tax-practice capabilities (including Enrolled Agent-level IRS representation and business tax services) with financial planning and bookkeeping, and it reports serving a range of professional and institutional clients — including accounting firms, other advisers, banks or thrifts, insurance entities, municipal clients and, on rare occasions, sovereign wealth-type clients. The firm adheres to fiduciary standards through its CFP credentialed staff and does not accept product-based or performance-based compensation.