Without a plan, it’s easy to pay more tax than you did while working. We build a coordinated strategy so more of your income stays with you.

How we keep taxes low

Annual tax return review to spot bracket, credit, and deduction opportunities
Roth conversion windows (especially in the pre-RMD years)
Smart timing and coordination of income streams (pensions, Social Security, RMDs, annuities)
Asset location: placing investments in the right accounts to reduce ongoing taxes
Charitable giving strategies (DAFs, QCDs at 70½)
Medicare IRMAA planning and appeals
Capital gains management and tax-loss/gain harvesting

We stay current on tax law changes and update your plan so you capture every available opportunity.

👉 Ready to review and understand your tax return?