A smarter way to plan and file individual taxes
Analyze your individual tax return, select tax strategies that work for you and your family — save thousands to millions of dollars in taxes every year.
Analyze your individual tax return, select tax strategies that work for you and your family — save thousands to millions of dollars in taxes every year.
Pick from dozens of tax strategies that work for you. They’re built by experts who've scoured the tax code for every opportunity.
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Lesser combines seamless software, powerful AI, and a personalized recommendations engine to optimize your wealth building experience.
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Understand the value and options for existing equity comp, equity comp in a new job offer, or both.
Whether you’re looking at an early exercise, 10b5-1 trading, or an upcoming IPO, make decisions now to maximize the value of your equity (and minimize your tax burden).
Get ahead of potentially large tax implications by understanding how to best manage your ISOs, NSOs, RSAs, and RSUs.
Get the most out of your real estate holdings and work with Lesser to ensure you’re responsibly building your portfolio.
For existing or potential properties, plan the proper ownership structure, and build the optimal lending and liquidity strategy.
For the purchase or operation of investment properties, work with Lesser to ensure you’re minimizing your tax burden (i.e. declaring active vs passive income).
Get all your ducks in a row today to ensure your family is properly taken care of tomorrow.
Our financial advisors will evaluate your existing estate plan documents to ensure they meet your current needs and objectives—and potentially coordinate drafting basic estate plans.
Analyze your current risk exposure across all insurance types to ensure you have the right coverage.
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Planning your move to the U.S.? We’ll help you file the right tax return, convert your Indian bank accounts to NRE/NRO, and avoid hidden tax traps on mutual funds and other foreign investments. Start fresh, the smart way.
Working at a high-growth startup or climbing the corporate ladder? With great income comes great tax exposure. Without proper planning, you could lose a huge chunk of your paycheck to taxes. We’ll help you keep more of what you earn.
Sold your RSUs or cashed out on crypto? If you don’t understand the difference between short-term and long-term capital gains, you might owe more than you expected. We’ll help you time your sales and lower your tax bill.
Got C2C contracts, rental income, or side hustles? Multiple income streams = multiple tax complexities. Without the right structure, you could be paying more than you need to. We’ll show you how to keep it efficient and compliant.
Have assets in India or other countries—like real estate, mutual funds, or family inheritances? Cross-border taxes can get messy fast. We’ll help you manage your global wealth and stay on top of local and U.S. tax laws.
Heading home? Whether you’re selling U.S. stocks, real estate, or planning large purchases—what you do now can impact your tax burden later. We’ll help you exit smart and repatriate funds with confidence.
Lesser helps you find every eligible tax strategy, from basic credits and deductions to complex scenarios, ensuring you maximize your savings.
Book a callLesser helped me time my 401(k) and IRA contributions perfectly—saved thousands in taxes
Tax-loss harvesting wasn’t even on my radar. They helped me offset a huge capital gain
They guided me through selling RSUs and crypto the smart way. No surprise tax bills this year
From the Augusta Rule to oil & gas investing, I had no idea I could lower my taxes like this
I had income from India, the U.S., and rental properties. Lesser made it all work seamlessly
Lesser built a full tax plan around my move to the U.S.—from mutual funds to NRE accounts
What you pay is based on your unique tax situation and its complexity
We protect our data with industry-leading encryption in transit and at rest, and use encrypted channels for all communications.
We only grant access to your documents to licensed tax professionals, and only when necessary.
How are we not? At Lesser, you have access to multiple advisors who will advise on all aspects of your finances—not just investment or retirement planning. Lesser gives you more than just access to advisors, we deliver a tech platform armed with your aggregated, real time data, available for you to access 24/7.
Nope. One advisor is the old way of doing things. At Lesser, we want to give you the best advice based on your specific situation or question—which is why we arm you with a team of experts (and tools) to address whatever your need might be.
We have a team of highly qualified advisors and experts working with our members. Amongst our advisors, we have:
Certified Financial Planner (CFP)
IRS Enrolled Agent (EA)
Certified Public Accountant (CPA)
Equity Compensation Associate (ECA)
Chartered Financial Analyst (CFA)
Chartered Retirement Plans Specialist (CRPS)
Masters in Business Administration (MBA)
Our team brings a wealth of experience - pun intended - from their previous employers, having spent time working at JP Morgan, TIAA, Vanguard, UBS, Wells Fargo, Credit Suisse, Goldman Sachs - amongst others. We hire only the most qualified, and aim to represent a diverse set of expertise to best serve our Members.
When your RSUs vest, they are treated as ordinary income based on the fair market value of the shares at vesting. Taxes are withheld, often at the supplemental rate of 22%, but this may not cover your actual tax liability, especially if you're in a higher tax bracket.
Yes, many companies allow you to adjust the withholding rate on your RSUs.
Increasing the withholding can help prevent a surprise tax bill when you file your return.
If you're selling all your RSU shares and have no upcoming vesting events within 30 days, wash sales may not be a concern. However, if you have regular vesting schedules, especially monthly, wash sales can become more complicated.
