Tax Planning & Preparation for California Retirees

Strategic Tax Planning That Protects Your Retirement Lifestyle
We offer three core services in an all-in-one offering

Retirement Tax Planning

Tax Preparation & Filing

Ongoing Tax Advisory

Retirement Tax Planning

Retirement tax planning is about organizing your accounts and income so you don’t get hit with surprise tax bills later. We look at all your income sources—Social Security, pensions, IRAs, brokerage accounts, even potential home sales, and build a plan to keep your taxes as low and predictable as possible.

Our tax planning strategies include:

Roth Conversion Planning

Reduce long-term tax exposure by converting traditional retirement accounts to Roth IRAs in tax-efficient increments.

Tax Bracket Management

Smooth your income across years to stay in lower brackets and avoid unnecessary surcharges or penalties.

Required Minimum Distribution (RMD) Strategy

Avoid surprises by coordinating RMDs with your broader withdrawal plan and minimizing their tax impact.

Social Security Taxation Planning

Structure your income to reduce the taxation of your Social Security benefits.

Qualified Charitable Distributions (QCDs)

Satisfy RMD requirements and reduce taxable income by giving directly to charity from your IRA.

Medicare IRMAA Planning

Manage income to avoid costly Medicare surcharges caused by small increases in Modified AGI.

Capital Gains & Investment Tax Strategy

Time asset sales to take advantage of favorable long-term capital gains rates and offset gains with losses where appropriate.

Multi-Year Tax Projections

Model various income and withdrawal strategies to forecast tax impact across your retirement horizon.

Tax Preparation & Filing

We routinely handle returns with Social Security (SSA-1099s), pension income, IRA and 401(k) withdrawals (1099-Rs), RMDs, brokerage accounts, and rental or vacation properties. If you’ve just started RMDs or are juggling income from several sources, we help you make sure everything is reported correctly and tax-efficiently. You’ll benefit from:

Preparation and e-filing of federal, California and multi-state tax returns.
Coordination with your financial advisor, estate planning attorney

All of this is delivered securely through our encrypted client portal, with real-time status tracking and effortless document sharing. Prefer phone or paper? We’ll meet you where you’re comfortable—whether that’s our secure online portal, mail, or a phone call to walk through everything step-by-step.

Ongoing Tax Advisory

Year-round access to expert advice, not just once a year.

Life keeps changing after retirement, and so does tax law. Our ongoing advisory service ensures you always have a professional in your corner:

Get answers to tax questions as they arise
Evaluate the tax impact of big financial decisions (e.g., home sales, inheritances, gifting)
Stay compliant with evolving rules while identifying new planning opportunities

What You Can Expect

Fiduciary & Fee-Only – We don’t earn commissions or sell products. Our only incentive is reducing your tax bill. 18+ Years of Retirement Planning Experience.
Work directly with a seasoned CFP® and EA who understands the complexities of post-retirement finances. 18+ Years Focused on Retirement – Work directly with a CFP® professional and Enrolled Agent who specializes in retirement finances.

Pricing

Starting at $995
Subject to complexity and scope of work.

Final quote provided with an engagement letter.

Ready to Take the Guesswork Out of Taxes?

Schedule your complimentary consultation and find out how strategic tax planning can give you greater peace of mind in retirement.

Our process:

Schedule a 30-minute call. We’ll learn about your situation and answer your initial
questions.
We review your recent tax returns along with any necessary documents.
You receive a quote and a clear path forward.