You earned it.
Now keep more
of it.
Smart tax planning for the 5–10 years before retirement —
and the 30 years after.
Our philosophy
“The difference between a good retirement and a great one isn't how much you saved.
It's how well it's coordinated.”
Sound familiar?
If any of this feels like your situation,
you're in the right place.
You have a CPA who files your return — but never sits you down and explains what's coming.
You have an advisor who manages your investments — but doesn't talk to your CPA.
You're 5–10 years from retirement and nobody has shown you what your taxes will look like.
You've heard about Roth conversions but don't know if they make sense for you — or who to ask.
You're paying for advice and still feel like nobody's actually planning for you.
You suspect you're leaving money on the table every year. You're probably right.
We hear this from almost every household we work with.
You're not alone — and you're not stuck.
What we do
Three things, all coordinated
under one roof.
Proactive Tax Planning
We don't just file your return. We project your taxes 10+ years out, find the windows and the cliffs, and build a tax plan that lowers your lifetime tax bill — not just this April's.
Retirement Tax Strategy
Roth conversion analysis, withdrawal-sequence tax planning, IRMAA bracket management, charitable giving timing. The tax-side decisions that quietly compound to six figures over a 30-year retirement.
Coordinated With Your Advisors
Your tax planning has to talk to your investment plan, your estate plan, your insurance picture. We sit on the tax side and coordinate with whoever's managing those — so the moves work together, not against each other.
5 Tax Mistakes That Cost Retirees $50K+
(And How to Avoid Them)
A plain-English guide for households 55+ with $1M or more in retirement accounts. Real numbers. Real examples. No fluff.
- The 5–7 year window most retirees miss completely
- The IRMAA cliff that quietly raises Medicare premiums for life
- Why your tax bracket at 75 might be higher than at 65
- The questions to bring to your CPA before year-end
5 Tax Mistakes
That Cost Retirees
$50K+
(And How to Avoid Them)
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How it works
Simple, transparent,
built around you.
Free 30-minute session
We sit down (in person at our Lockport office, or virtually). You tell us your situation. We tell you what we see — straight, no pitch. About 80% of the time we identify at least one significant opportunity in that first hour.
We build your plan
Between meetings, we run multi-year projections, model the Roth conversion math, map the tax-smart withdrawal sequence, and put together a written plan that's actually yours — not a template.
We implement and coordinate
Your strategy lives. We update it as tax laws change, as your situation evolves. Three formal touchpoints a year minimum, plus proactive outreach when something needs attention.
That's it. No mystery. No 200-page financial plan that goes in a drawer.
Plain-English sessions on retirement tax strategy.
Hosted at libraries, community centers, churches, and local businesses across Western New York. Real numbers. No sales pitch. Most attendees say it's the most useful hour they've spent on retirement planning.
See upcoming workshopsReady to find out what
your taxes really look like?
Schedule your free 30-minute Tax Strategy Session. One hour. Real numbers. No pressure.
A $250 value, yours with no obligation.