Retirement Planning Tax Strategies

Ensuring you hold onto as much of that retirement savings you spend your lifeblood to build requires some tax-savvy planning.

We’re a completely remote firm serving clients nationwide, with direct service in Roseville and surrounding areas including Citrus Heights, Folsom, Rocklin, Sacramento, West Sacramento and other cities in the respective counties.

It’s easy to underestimate just how significant of a role taxes play on the size of your nest egg. We’ve seen a lot of people focus on the balance in their retirement accounts, but never give a second thought to just how much of it the IRS will lay claim to. Which is why implementing tax saving strategies now will set you up for a better outcome when the time comes to start tapping those retirement savings.

Retirement Savings Strategies for Every Stage of Life

One thing we consider in retirement planning is coming up with the right for your stage of life – because the strategies you implement at 35 won’t be the same as those when you’re 45, 55, or already retired.

1. 20s, 30s, and 40s

Building your retirement savings

2. 50s and 60s

Nearing retirement

3. 60s, 70s, and beyond

Living in retirement

Retirement savings strategies look like this…

One thing we consider in retirement planning is coming up with the right for your stage of life – because the strategies you implement at 35 won’t be the same as those when you’re 45, 55, or already retired.

Examining all the ways you can reduce taxes on your retirement savings from contributing to various account types (401k, IRA, Roth IRA) to catch-up contributions to RMDs to timing your withdrawals. 

Discussing investing in annuities to protect your retirement and guarantee income

Keeping track of every deduction you qualify for including catch-up contribution tax breaks and the saver’s credit.

Helping you avoid early withdrawal penalties and determine when is the best time to take retirement distributions.

Determining how to minimize the taxes on your social security payments.

Considering the benefits of a Roth conversion.

Our proactive tax planning strategies will help you avoid the tax time bomb.

Let us help you answer your burning questions about making your retirement last and how you can build toward the retirement you want.

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