The Challenge

Managing significant assets in retirement isn't just about investment returns; it's about navigating complex tax rules. Without a precise strategy, required minimum distributions (RMDs) can push you into higher tax brackets and trigger unexpected Medicare premium surcharges.

How We Help

Tax-Aware Income: We design a withdrawal sequence aimed at keeping your taxable income as efficient as possible.
Charitable Optimization: We manage the paperwork and sequencing of Charitable IRA Gifts and Donor-Advised Funds to help maximize your impact and your deductions.
Medicare Guardrails: We track your income against Medicare premium surcharge thresholds and adjust year-end distributions to help maintain safe buffers.
Clear Legacy: We model Roth conversions designed to protect your heirs from inherited IRA tax compression.

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Strategic Planning for Retirees & Widowed Clients

The Challenge

How We Help