Retirement Tax Consultants is the bridge between your CPA and your CFP — the retirement tax specialist neither one of them is.
Six exposures that quietly compound — and the framework we use to quantify and reduce each one.
Required minimum distributions force taxable withdrawals whether you need the income or not — and grow larger every year you delay action.
When a spouse passes, the surviving spouse often faces a dramatically higher tax rate on the same income — a predictable and largely preventable outcome.
Under the SECURE Act's 10-year rule, your heirs may owe ordinary income tax on the full inherited balance. Tax-free alternatives exist.
Medicare Part B and D premiums increase sharply at certain income thresholds. Retirement income that could have been managed often isn't.
The One Big Beautiful Bill Act (2025) made most TCJA brackets permanent — but “permanent” only means no scheduled expiration. Congress can change the law at any time. Planning around current rates, while they last, is still the conservative move.
The years between retirement and RMD age are often the lowest-tax period of a client's life — and the best opportunity to convert at favorable brackets. Most advisors miss the timing.
Illustrative examples based on real client engagements. Identifying details have been removed.
Ages 64 and 62. Recently retired.
RMDs projected at $140,000+ annually starting age 73.
Roth conversion sequencing · IRMAA bracket management · SECURE Act beneficiary restructuring
Age 68. High W-2 income through retirement.
Candidate for IRA-LLC advanced conversion given balance size.
IRA-LLC valuation discount · Multi-year Roth plan · Trust-based beneficiary restructuring
These examples are illustrative and based on real client scenarios with identifying details removed. Projected savings are based on financial modeling at the time of engagement and depend on actual tax rates, investment returns, and individual circumstances. Past results are not a guarantee of future outcomes. This content does not constitute tax, legal, or investment advice.
See if your situation qualifiesThe Retirement Tax Risk Analysis is a diagnostic — not a pitch. Most clients discover six- or seven-figure liabilities they did not know they had.
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