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Tax Center

Concerned about higher taxes? So are we. Welcome to our tax center, where we focus on why taxes matter to your investments and your retirement security.

Here are some of the reasons why we believe taxes will move much higher in the future.

Reason 1: 

The 2024 Election Triggered New Tax Policy

While we are currently enjoying some of the lowest marginal tax rates in the modern history of our country, our ever mounting national debt and ongoing fiscal deficits and expected AI-fueled job losses will push tax rates higher in the future. People at or near retirement are potentially more vulnerable than anyone else because they live on their after-tax income.  Higher taxes means less after-tax income.

It's not how much money you've saved (or are actively saving), but how much you have to spend after-tax. Your retirement income and financial security are directly impacted by tax policy and our firm is devoted to helping our clients minimize their exposure to Federal and state taxes.

Reason 2:

Nearly $40 Trillion In Debt, And Medicare And Social Security Are Running Out Of Money

Why should you care about taxes in your financial planning? Because taxes will increase in your retirement for any number of reasons. Income taxes help pay interest on the National Debt, and pay for Medicare and Social Security benefits. But guess what? We are scheduled to run more than $1 Trillion in annual budget deficits for the next 11 years (Congressional Budget Office) and Medicare and Social Security will become insolvent in 2033 and 2034, if not sooner (source: 2025 Trustees Report, Social Security).

The IRS is your retirement partner, whether you like it or not. We help our clients structure their assets and create financial plans to minimize IRS' ownership of their savings and income.

Reason 3:

Extension of the Tax Cuts and Jobs Act of 2017 will add trillions more to the National Debt

Lower taxes mean lower federal revenue. Extending lower tax rates, combined with a larger standard deduction (especially for seniors), a bigger child tax credit, a 20% pass-through deduction for businesses, and a higher estate tax exemption adds up to less revenue for the government. According to the Congressional Budget Office (CBO), that adds up to $4.5 trillion less for the period of 2025 - 2034. The result of these reduced revenues is the projection of more than $4 trillion in additional debt, on top of the increased debt caused by annual budget deficits.

If CBO estimates are reasonably accurate, these revenue shortfalls and continuing budget deficits could cause the National Debt to balloon to $59 trillion by 2035.

Reason 4:

The 2019 SECURE Act Made IRAs The Worst Assets To Pass To Heirs

The IRS is the world's greatest tax collector and, at the end of 2019, the Congress and the Senate got together to pass a bill that makes IRAs an even worse ticking time bomb for the next generation. Under the SECURE Act of 2019, if you pass an IRA to non-spouse loved one, they must completely empty it within 10 years. What this means is if you live a long life, they will be forced to take massive taxable distributions from their inheritances during their highest earning years. That could result in losing 40%, or more, of their inheritances to Federal Income Tax!

Unless, of course, you act. As tax planners, we help our clients combat the tax penalties of the SECURE Act of 2019 by creating strategies to restructure their assets so that they pass tax-efficient or tax-free inheritances to their heirs. The by product could be greater after-tax income for them in retirement, as well.


Our Four-Step Process To Lower Your Taxes: 

Our Guided Roth Conversion Program


Step 1

We use confidential and encrypted systems to help you provide us with information about your investment assets, social security benefits and insurance. We analyze your current and future income tax exposure.

Step 2

We develop a multi-step road map to become more tax-efficient now and in retirement, and present it to you in a comprehensive financial planning format. We create an investment plan to help achieve your goals.

Step 4

We also create a tax-efficient health and long-term care plan to ensure maximum tax-free benefits for you. We develop a wealth transfer strategy to keep your assets out of the hands of the nursing home and the government.

Step 3

We use our state-of-the-art financial planning software to continuously monitor your goals, expenses, investments, and current and future tax rates to prepare for maximum tax efficiency in retirement.


Get In Touch To Find Out More

Send us a message about what matters most to you.