Continuing changes in tax legislation, court decisions and new regulations raise complex issues. Our substantive policy specialists:

• Establish Ayco financial counseling policies.
• Develop sophisticated strategies for dealing with new issues as they arise.
• Analyze and develop strategies to reduce clients' income- and estate-tax liabilities.
• Carry out highly technical research and training for our counselors.
• Respond to counselors' technical questions daily.
• Publish technical memoranda for counselors.