We believe in meeting with our tax clients to understand their goals and life ambitions. By the same token, we believe there is never a suggestion or decision that should be made solely to reduce income taxes, nor is there a decision made that is the same for all of our clients. Some of the questions that we keep in mind are, "Can the client afford the mortgage payment from a cash flow perspective even though this payment saves money from a tax perspective?" or "Is a client showing adequate income in order to fund retirement or to afford a second home or purchase a large principal residence?"