A boutique family office for retirement tax strategy.
The clients most at risk from retirement taxation are typically the least well-served by generalist financial and tax professionals. We were built to fix that.
Retirement Tax Consultants is a boutique family office specializing exclusively in retirement tax strategy for affluent pre-retirees and retirees. The firm was founded on a single observation: the clients most at risk from retirement taxation — those with high income or large traditional IRA and 401(k) balances — are typically the least well-served by generalist financial and tax professionals.
We operate as the strategic bridge between clients’ CPAs and financial advisors, providing the proactive, forward-looking retirement tax planning that neither role typically covers. For clients with complex situations, we coordinate a full family office team — including CPAs and accountants, tax attorneys, estate planning specialists, business valuation specialists, trustees, and other financial professionals — managed by RTC as a single engagement.
David Hyden
CFF® · NSSA® · IRMAACP®
David Hyden founded Retirement Tax Consultants to serve the clients he saw being underserved at the intersection of tax planning and retirement income: affluent pre-retirees and retirees with high income or large traditional retirement account balances who needed more than a generalist CPA or financial advisor could provide.
With certifications as a Certified Financial Fiduciary (CFF®), National Social Security Advisor (NSSA®), and IRMAA Certified Planner (IRMAACP®), David brings a credential base that spans retirement income, Social Security optimization, Medicare planning, and tax strategy — the full picture of what retirement tax risk looks like in practice.
David has developed proprietary frameworks and implementation resources including a comprehensive Retirement Tax Risk Analysis, a six-area diagnostic model covering the core risk exposures facing affluent retirees, and an advanced IRA-LLC conversion methodology with supporting legal analysis and compliance documentation.
He works in partnership with a network of CPAs, accountants, tax attorneys, estate planning specialists, business valuation specialists, and financial advisors. Retirement Tax Consultants is based in McKinney, Texas, and serves clients nationally.
A coordinated team — managed as a single engagement.
For clients whose situations require it, RTC coordinates a curated network of professionals across disciplines.
- 01 / 06CPAs, accountants, and tax preparers for annual return coordination and tax projection modeling
- 02 / 06Tax attorneys for LLC formation, operating agreement drafting, and legal opinion letters
- 03 / 06Independent business valuation specialists for IRA-LLC interest appraisals
- 04 / 06Trustees and trust counsel for beneficiary planning and SECURE Act strategies
- 05 / 06Estate planning specialists and attorneys for beneficiary designation and inheritance tax planning
- 06 / 06Financial advisors and RIAs for investment coordination within the tax strategy
See the size of your retirement tax exposure before you commit.
The Retirement Tax Risk Analysis is a diagnostic — not a pitch. Most clients discover six- or seven-figure liabilities they did not know they had.