Tax Planning

A big part of planning for retirement is understanding how much you are paying in taxes now and how much you will pay in retirement.

By asking the right questions and adapting your approach, you can change the size of your legacy to future generations.


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  • Up to 85% of the benefit you receive from Social Security may be taxable
  • Required minimum distributions (RMD) from a 401(k) or IRA now start at age 72
  • More interest and dividends being paid to portfolios due to a more conservative allocation
  • You'll pay taxes on distributions from traditional and 401(k) accounts


With a little bit of planning, you can save yourself potentially thousands of dollars in taxes.

Delay Social Security

A very simple way to decrease your taxes is to delay getting Social Security for as long as you can.

Optimize Asset Location

Put your investments into specific accounts so you pay the least in taxes. Typically, there are three types of accounts.

Convert to Roth

Convert traditional IRA or 401(k) money to Roth money before the RMD age and lower your tax bill during your RMD years.

Donate Efficiently

You can give part or all of your RMD, limited to $100,000 per year, to charity and fulfill your RMD requirement without paying income taxes on the distribution.


Our team will work with your personal tax professional to review strategies for reducing your tax burden and will provide:

Straightforward advice

Tailored recommendations

Tax-efficient strategies

Guidance designed to grow and protect your wealth