Tax Planning for the Years That Matter Most

The years between now and RMDs are often your best window to shift money into tax-free accounts at favorable rates. We model the right amount to convert, in the right years, to reduce your lifetime tax burden without triggering unintended consequences. Conversions done before you claim Social Security or hit RMD age are taxed at your lowest lifetime rate. That window narrows every year you wait. Visit our Roth Conversion Planning Guide to learn more.

We map your projected income across every year of retirement and identify where there’s room to deliberately fill lower brackets (through conversions, capital gains harvesting, or strategic withdrawals) before higher-income years force your hand.

In taxable accounts, we systematically capture losses to offset gains, reducing your current tax bill while keeping your portfolio on track. This isn’t a year-end scramble; it’s an ongoing strategy.

• Your Medicare Part B and D premiums are directly tied to your income two years prior. A single year of high income from a Roth conversion, a home sale, or an RMD can trigger surcharges that cost thousands. We plan around those thresholds deliberately. Visit our Complete IRMAA Planning Guide to learn more.
• Your Medicare premium in 2028 is based on your 2026 income. Decisions made this year are what can still change that number.

Required Minimum Distributions can force significant taxable income starting at age 73, whether you need the money or not. We work to reduce future RMD exposure through Roth conversions and withdrawal sequencing before the distributions become mandatory.

Which accounts you draw from, and in what order, has major tax implications over time. We build a multi-year withdrawal sequence that keeps your tax bracket in check and preserves flexibility as long as possible.

RSUs, stock options, and ESPP shares introduce concentrated risk and complex tax timing decisions. We help you manage vesting events, exercise timing, and diversification in a way that aligns with your broader retirement plan.

If you give to charity, there are tax-efficient ways to do it, including Qualified Charitable Distributions from your IRA after age 70½ that satisfy RMDs without the tax hit. We build giving into the plan rather than treating it as an afterthought.

When one spouse passes, the surviving spouse often faces a sudden jump from married filing jointly to single tax rates, on the same income. We plan for that transition proactively, often years in advance, so it doesn’t become a financial shock on top of a personal one.