Should I do a Roth conversion?

Often, yes, particularly in the years between retirement and the start of RMDs, and particularly if you expect your tax rate to be higher in the future (or your surviving spouse's to be). The size and pacing of conversions should be modeled against the rest of your plan.

A Qualified Charitable Distribution. If you're 70½ or older, you can transfer up to roughly $100,000 per year (indexed) directly from your IRA to a qualified charity. It satisfies your RMD without counting as income, typically more tax-efficient than donating cash.

Retirement Tax Planning Advisor Near Me

Income taxes are usually the largest expense in retirement. They're also the most controllable. The catch is that most tax planning happens in the year of the return, too late to do most of what would have helped. We work tax planning forward, throughout the year, in coordination with your CPA.

Hands holding tax forms with a calculator and laptop on a wooden desk.

What we coordinate

Roth conversions, the years between retirement and RMDs are the highest-leverage tax planning years of most clients' lives.
Required Minimum Distributions, currently start at 73 (75 for some birth years).
Qualified Charitable Distributions (QCDs), direct IRA-to-charity transfers that satisfy your RMD without showing up as taxable income.
Capital gains harvesting, in low-bracket years, realizing long-term gains at 0% federal capital gains rate.
Bracket management, filling the 10%, 12%, and 22% brackets without bumping into 24% or 32%.
Donor-advised funds, bunching multiple years of giving into one tax year for itemizing.
Coordination with your CPA.

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Tax planning: where retirement plans either work or quietly leak money.

What we coordinate

Frequently asked questions

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