Proactive, multi-year strategy coordinated with your CPA — Roth windows, bracket management, IRMAA navigated rather than tripped over.
Your accountant is excellent at what they do: recording what already happened and filing it correctly. But filing is a rear-view-mirror exercise.
Real tax planning happens years ahead — sequencing income, conversions, and sale events across brackets and entities to minimize the lifetime bill, not just this April's.
Done right, a client can spend decades in retirement without crossing a marginal rate that hurts — while their heirs inherit Roth assets that compound tax-free for another generation. Most advisors still treat this as a year-end exercise. It isn't.
Robert and Carol Fenton asked five words: “Can we move to Arizona?” A cost-of-living table could have answered in twenty minutes — and been wrong. Underneath the question: a stock held so long its cost basis had nearly vanished, a Roth conversion window opening at Robert’s 2027 retirement and closing at RMD age, and a daughter permanently in California. Every dollar of gain they realize competes with every dollar they convert for the same bracket space — and the state they’re standing in when it happens changes the price of both. The move was the right answer. But only in the right order.
That’s the Fentons’ story. Read the case →
Mapping the low-bracket years — early retirement, pre-RMD, post-exit — where conversions cost the least and compound the most.
Keeping income under the cliffs that quietly raise your Medicare premiums and tax rate, year by year.
Structuring a business sale across years and entities so you keep more of what you negotiated.
Which accounts to draw from, in which order, to stretch every dollar further across retirement.
Positioning assets — especially Roth — so wealth transfers to the next generation with the lowest possible drag.
A 90-second checklist to see which one you're actually getting — covering Roth windows, bracket management, IRMAA, and the moves most advisors miss.
We follow up exactly once. No spam, no list-sharing, ever.
Start with a conversation. Thirty minutes, no obligation, no pitch — just an honest look at where you are and where you want to go.
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