Tax Planning

Most tax advice you'll find is about this year's return. Retirement tax planning is about the next twenty. The order you pull money from your accounts, whether and when you do Roth conversions, how a large withdrawal this year might push you into a higher bracket or quietly trigger an IRMAA surcharge on your Medicare premiums two years from now — these decisions compound, and most people never see how they connect until after a mistake is already made.

"The surest way to build wealth is to avoid paying taxes on money you're not using." — ClearPath Retirement Planning

We build your withdrawal and conversion strategy around your whole financial picture — your income sources, your other accounts, your Medicare situation, your long-term goals — not just what minimizes this year's bill. The smartest move for April isn't always the smartest move for the next decade.