Implement tax-efficient financial strategies designed to help maximize savings and support long-term financial success.
Taxes are one of the few retirement expenses you can actively manage. Most people discover that too late — in the year the money comes out, rather than in the years when the decision was still open.
Tax planning here means coordinating withdrawals, conversions, Social Security and capital gains so the whole picture is managed together rather than one account at a time.
Building a mix of tax treatments before and during retirement, so there are choices later.
Being intentional about the order money comes out of taxable, tax-deferred and tax-free accounts.
Using conversions when the timing is right rather than on a fixed schedule.
Coordinating the claiming decision with the wider tax picture.
Preparing early for required minimum distributions instead of reacting to them.
Managing realised gains with intention.
Tax laws, market conditions and investment information change. Studdard Financial does not prepare tax returns or provide tax advice — we plan around your tax situation and work alongside your CPA or tax professional so the investment decisions and the tax return are not made in separate rooms.
Articles published on this site covering this topic in depth.
Byron provides the same fee-only fiduciary advice across every area of the plan.
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Receive comprehensive financial guidance to help you make informed decisions at every stage of life.
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Byron Studdard, CFP®, meets with clients by appointment in Germantown, TN and Sarasota, FL, and works with clients across the country.
