Tax Planning for Retirement.
Taxes can be a large factor on income during retirement. It can also affect your Health Insurance or Medicare (IRMAA) cost.
At a glance
- Best for
- Ages 18–75 depending on RMD dates
- Format
- Virtual anywhere in the US. In-person in the Houston area upon request.
- First step
- Complimentary intro call · 5–45 min
- Coordinates with
- Your CPA, Attorney, and Plan Administrator
01 · Who this is for
Situations I see most often.
- You're near retirement and want to know how much income taxes you will be expected to pay once you retire.
- You're 5–10 years from retirement and want to know if it makes sense to move your 401(k)s and IRAs to their Roth equivalent.
- You want to know what impact moving investments to Roth will have on your Healthcare costs.
- You want one advisor coordinating taxes, investments, and insurance — not three.
- You're widowed or recently divorced and re-baselining your plan.
02 · What's included
What the engagement covers.
- Tax-aware withdrawal sequencing across tax-deferred, taxable, and Roth accounts.
- Roth conversion modeling through age-75 RMD windows.
- Bridge Healthcare planning to Medicare with IRMAA (Income-Related Monthly Adjustment Amount) awareness.
03 · How the process works
A measured approach, in clear steps.
Discover
An introductory meeting — anywhere from 5 to 45 minutes, your call — in person in Houston or by Microsoft Teams. You describe what you have, what you want, and what concerns you. No paperwork, no obligation.
Design
A written plan in plain language, with a clear list of recommendations sized to your goals, risk capacity, and timeline.
Implement
I handle the paperwork — accounts opened and rollovers initiated — I will also coordinate with your CPA and Attorney where needed.
Monitor
We meet regularly to adjust for markets, tax-law changes, and life changes.
04 · Common questions
Plain-English answers.
When should I start retirement planning?
You should start at your first meaningful job — such as your first job out of college or trade school. Decisions at this time can have a profound impact on how comfortably you retire.
How much do I need to retire?
There's no universal number. The honest answer depends on your spending, debts, healthcare needs, Social Security, pension, and how long you may live. I'd rather build the projection together than quote a national rule of thumb.
What if I already work with a CPA or attorney?
Good. I coordinate, I don't replace. A retirement plan that ignores your tax preparer or estate attorney is a plan with avoidable gaps.
Is my first meeting really complimentary?
Yes — the initial conversation is no-cost and no-obligation. I'd rather you decide whether we're a fit than feel pressured.
05 · Related services