Your Future, Financially Secure with Retirement Tax Planning Strategies

Plan for What’s Next with Confidence

Retirement should feel clear and manageable. Our approach to retirement tax planning strategies brings investments, withdrawal order, Social Security timing, Medicare decisions, and estate coordination into one plan—built around your goals and your tax picture. As an independent, fee-only RIA aligned with Haynie & Company CPAs, we help clients in Salt Lake City, Austin, Houston, Phoenix, and Denver turn savings into a practical, after-tax income strategy.

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Investment Management

We build and maintain portfolios with an eye on after-tax returns, aligning risk, cash-flow needs, and rebalancing thresholds so your investments support a durable retirement income plan.

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Social Security Planning

Maximize lifetime value with data-driven claiming strategies. We compare ages 62, 67, and 70, coordinate spousal or survivor benefits, and weigh how benefits interact with taxes in early retirement.

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Medicare Planning

We simplify enrollment timing, help you understand IRMAA and premium thresholds, and coordinate coverage decisions with your broader retirement income plan.

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Estate Planning

Coordinate beneficiary designations, account titling, and charitable intent so your legacy reflects your wishes and tax considerations over time

Tax Strategy in Action

Roth Conversions (timing and brackets)
Evaluate conversion windows when current rates are favorable compared to future RMD-driven income.

RMD Sequencing
Plan withdrawals to meet requirements while managing brackets and Medicare income thresholds.

Withdrawal Order
Coordinate which accounts to tap first—taxable, tax-deferred, or Roth—to support a long retirement horizon.

Charitable Giving (QCDs and appreciated assets)
Use qualified charitable distributions or appreciated stock when appropriate to meet goals and manage taxes.

What Makes Us Different

Why Choose Us

Personalized service backed by decades of financial expertise.

  • Personalized Guidance

    Every retirement plan we create is built around your unique needs, goals, and priorities.

  • Integrated Tax Strategies

    Through our CPA partnership, we ensure that every financial decision is designed with tax efficiency in mind.

  • Fiduciary Commitment

    As fiduciaries, we are legally and ethically bound to act in your best interest at all times.

  • Collaborative Approach

    We work closely with estate attorneys, CPAs, and other professionals to provide a fully coordinated financial strategy.

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FAQ

Answers to Common Questions

  • When do Roth conversions make sense?

    Roth conversions are often considered when current tax brackets are lower than projected future brackets or before RMDs begin. We model scenarios to evaluate timing, amount, and multi-year conversions.

  • Do you plan around RMDs?

    Yes. We coordinate RMDs with other withdrawals, bracket management, and Medicare income thresholds to help manage taxes while meeting required distributions.

  • How do you coordinate Social Security with taxes?

    We analyze claiming age alongside withdrawal order and provisional income so benefits, brackets, and cash-flow work together during your early retirement years.

  • Can charitable giving lower taxes?

    It can. Qualified charitable distributions and gifts of appreciated securities may align with your goals. We evaluate options with you and, when appropriate, coordinate with your CPA.

  • Do you review plans annually?

    Yes. We schedule annual reviews and meet as needed when markets, tax law, or your priorities change to keep your plan on course.