Tax Planning

Tax planning is one of the most significant (yet overlooked) aspects of preparing for retirement. It’s difficult to control tax impacts on your income while you’re still working. However, there are more options available to you in retirement—but you need to plan ahead if you hope to take advantage of them.

It’s also important to understand that there’s a difference between tax planning and tax preparation. Most CPAs and tax professionals focus their services on tax compliance rather than long-term tax efficiency strategies. We maintain an annual membership with the Ed Slott Elite IRA Advisor Network to stay educated on the latest tax laws and develop strategies for helping you reduce and control taxes in retirement.

If you don’t have an existing relationship with a tax professional, our CPA can help you develop a personalized tax plan that ensures compliance with yearly taxes while positioning your assets for long-term tax efficiencies.


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Tax planning considerations

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Taxability of Social Security Benefits

Social Security benefits qualify as taxable income—which can come as a shock if you’re not prepared for it. We’ll help you plan a strategy that maximizes your monthly Social Security benefits.

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Converting your traditional IRA into a Roth IRA can give you access to tax-free withdrawals in retirement. Let us help you make smart decisions now to ensure you’re in the best position for your future.

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Net Unrealized Appreciation (NUA)

Qualifying tax-deferred retirement accounts can be positioned so they’re taxed under the lower capital gains rate rather than the higher income tax rate. We’ll help you take advantage of tax codes that give you the best outcome on your distributions.

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Sequence of 

How and when you take distributions from your retirement accounts can have significant tax implications. Together, we’ll discuss your needs and goals to safeguard your assets and minimize the tax impact of your distributions.

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Just because you’re retired, it doesn’t mean you can’t take advantage of deductions. We’ll help you navigate state and federal tax laws to find the right mix of deductions and keep as much of your retirement income in your account as possible.

Tax Planning Related Resources

Related Resources

10 Questions to Ask Your Financial Advisor

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Join us for a complimentary retirement analysis.

Whether you need help getting started on the road to retirement or just have questions about your current financial situation, we’ll sit down with you to identify critical areas for retirement success and provide answers to the most important questions every retiree should be asking.
Bane O'Leary