It’s not what you make; it’s what you keep, and having a tax efficient retirement income strategy could add up substantial savings. Different forms of income during retirement are taxed differently. As such, it is critical to your overall plan to have a proactive forward-looking income plan that provides a detailed game plan for what is the most tax-efficient strategy under various tax climates depending on potential changes in the tax code and continuing to review such strategies on an annual basis.

What’s the most tax efficient way to take income this year may not make the most sense in the future when the IRS will require you to take distributions from your tax-deferred vehicles. In fact, you may be bumped up into a higher tax bracket than you were during your working years.

Taxes are one of the most serious wealth eroding forces you face. The government uses tax revenue to operate. Tax laws are constantly changing, and no one knows what the future tax laws will be. Since tax laws in the future are uncertain, any financial plan using today's tax laws to predict future outcomes may be invalid and unreliable.

A fundamental part of any financial plan is the need for a strategy to help prevent or minimize the effect of income taxes on your wealth. If you do not have such a plan, you may lose significant amounts of money that you may never be able to recapture. There are many income tax saving concepts you can use. A common tax planning strategy is putting money in tax deferred accounts such as IRAs and 401ks for immediate tax benefits, but the real question is “what is your exit strategy?” We find that sometimes people are in a higher tax bracket in the distribution phase than they were in the accumulation phase.

Specific Target Areas: Income/Distribution Planning, Roth Conversion, Tax Mitigation, Charitable Giving, Taxability of SS, Tax-efficient Asset Allocation, (REFERRAL OPTIONS- Tax Return Prep, Trust/Estate Tax Returns)

Registered Representative is not a tax planner. The Registered Representative will help review the documents and recommend a local attorney that specializes in tax planning. Tax planning can involve a complex web of tax rules and regulations. You should consider the counsel of an experienced tax planning professional before implementing any strategy.


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