Tax Planning Changes Throughout the Four Stages of Retirement


Without proper financial planning, people often pay more in taxes in retirement than expected.

This is due to a confusing tax and retirement system that contains hidden taxes and penalties.


The Four Stages of Retirement Planning

Pre-Retirement        50 – 60       The work and save years

Early Retirement         60 – 70               Go-go years

Middle Retirement        70 – 80              Go-slow years

Late Retirement           80 +                No-go years


You Need a Financial Planning Strategy That:

Anticipates how and when you tap assets to cover your personal expenses.

Understands the range of taxes you will face at various stages.

Manages your actions so you pay as low a tax rate as possible.


Your tax exposure will change throughout the four stages of retirement, you’ll need a financial strategy that anticipates both traditional taxes AND possible taxes, surcharges, and penalties related to Social Security, Medicare, and other income sources.


We’ll Build a Financial Plan to Help Create Tax-Efficient Retirement Income

The most critical points in your journey to financial independence come at transition points.
Sometimes a transition is part of a natural growth process, but often it is the result of some life trauma: a death divorce, disability, or job loss. Transitions require us to re-evaluate our goals, to re-examine our belief systems, and to change our strategies.

Transitions are catalysts for growth, and it is important to view them as new opportunities. As a holistic financial life planner I believe that at these transition points I add the most value. We are able to provide an objective view of their situation and help clients recognize the strengths, weaknesses, opportunities and threats they face. We help clients avoid costly mistakes and provide them with peace of mind to focus on their dreams, confident that their financial affairs are in order and working to their