Keeping More of What You’ve Worked Hard to Save
Many people are surprised to learn that retirement can bring higher tax bills than their working years. Social Security benefits, required minimum distributions (RMDs), pensions, and investment withdrawals can quickly push you into higher tax brackets—unless you have a plan.
At MJT Associates, we help you minimize the impact of taxes on your retirement income. Our retirement tax planning services are designed to reduce your tax burden today and over the course of your retirement—so you can keep more of what you’ve worked so hard to save.
Our Retirement Tax Strategies
We take a comprehensive, forward-looking approach that goes beyond simply filing a tax return. Our services include:
Annual Tax Return Analysis – Reviewing your tax return each year to uncover opportunities for savings.
Roth Conversion Planning – Strategically converting pre-tax accounts to Roth IRAs to create tax-free income for the future.
Coordination & Timing of Income Streams – Aligning pensions, Social Security, and RMDs to help minimize taxable income.
Asset Location – Placing the right investments in the right accounts to improve tax efficiency.
Charitable Giving Strategies – Designing tax-smart ways to support the causes you care about.
Medicare IRMAA Planning – Managing income levels to help reduce costly Medicare premium surcharges.
Always Planning Ahead
Tax laws are constantly changing, and yesterday’s strategy may not work tomorrow. We stay current with the latest developments so you don’t miss opportunities to lower your tax bill.
The Result: Lower Taxes, Longer-Lasting Wealth
Smart retirement tax planning isn’t about avoiding taxes altogether—it’s about avoiding unnecessary taxes. By proactively managing your income sources, account withdrawals, and charitable giving, we help you:
- Stretch your retirement savings further
- Create more predictable income
- Reduce surprises from RMDs or Medicare costs
- Preserve your wealth for future generations
