Tax Planning for Retirement
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Are taxes quietly eroding your future retirement income and the assets you hope to preserve for your family’s security and legacy?
What You’ll Learn
- How to project your Adjusted Gross Income (AGI) and marginal income tax bracket in retirement and why that is crucial for planning today
- The common tax traps pre-retirees and retirees face and how to avoid them
- How the 2025 sunset & OBBBA changes reshape 2026 to 2029 and how to seize opportunities now
- Why taxes don’t stop when you retire and how you can have more control with proper planning
- How to plan each year’s retirement income to avoid higher Medicare B premiums, prevent higher marginal brackets, and preserve the additional OBBBA senior deduction
- How Roth conversions create a planning window for tax-efficient strategies
- How contributions to retirement and investment accounts made years before retirement can dramatically impact tax flexibility and withdrawal strategies during retirement
- 15 top tax planning strategies we use daily with our clients to save taxes now, increase after-tax retirement income, and protect what’s left for loved ones
Clear Guidance, Focused Planning
Retirement income is taxed very differently than the paychecks you spent a career earning. Multiple income sources with differing tax treatments, changing tax laws, income phaseouts, hidden IRMAA taxes, and required distributions create complexity and unexpected tax consequences over time.
In 90 focused minutes, you’ll learn how retirement income is taxed and how small decisions today shape how long your money lasts, how much after-tax income you enjoy for your lifestyle, and the legacy you can leave for loved ones. The 2025 sunset and OBBBA changes make 2026 a rare planning window in the next four years – for those who act before the rules shift.
You’ll leave with a clearer understanding, planning actions to consider today, and increased confidence in your retirement freedom.
Why This Matters Now More Than Ever
- Taxes don’t retire when you do
- Retirement income comes from several taxable sources at different rates, necessitating tax planning well in advance of retirement
- Required Minimum Distributions can often produce higher marginal rates in retirement than when working
- Deciding when to take Social Security is driven primarily by tax planning
- Higher income can raise Medicare B premiums without proper planning
- New senior bonus deduction from OBBBA requires targeting future Adjusted Gross
Income in order to qualify
- Current historically-low tax rates open opportunities for strategic Roth conversions
both now and during retirement transition years
- Four year window for higher SALT deductions may present “bunching” opportunity
Taught by Fiduciary Advisors
Who Should Attend
- Individuals and couples who want to keep more of what they’ve built and plan tax-optimized retirement income with confidence.
- People within 15 years of retirement
- Those recently retired or planning to retire soon
- Anyone wanting a clear retirement tax checklist
Choose Your Session
Protect your assets. Reserve your seat today.
Saturday, September 19
9:30-11:00 a.m. — Rollins College, Winter Park
Tuesday, September 22
3:30-5:00 p.m. — Winter Park Library
The Financial Harvest Wealth Advisory team is dedicated to helping address the unique financial planning needs of each family, business, or individual that we have the privilege to serve. Our team members are focused on client success and helping our clients realize their most significant and meaningful life goals.
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