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.
Will you actually have enough?
The Retirement Ready Workbook — six steps, real math, plain English.
A cash-flow-first workbook for pre-retirees and retirees 55+. Real worksheets you fill in. Real numbers. No fluff.
- Find your true retirement number — cash-flow, not just balance
- The 5–7 year Roth conversion window most retirees miss completely
- Avoid the IRMAA cliff that quietly raises Medicare premiums for life
- Build your healthcare bridge between retirement and Medicare at 65
Will you actually have enough?
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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. Almost every first conversation surfaces at least one tax-planning opportunity the household hadn't been shown before.
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 act on it together
Your strategy is a working document, not a binder in a drawer. We revisit it as your situation evolves and as the tax law shifts underneath it. The exact cadence — meetings, check-ins, year-end review — is spelled out in your engagement letter and built around your real tax-year milestones.
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 workshopsReal client reviews
What it's like to work with us.
Real 5-star reviews from Google. Some are excerpted for length — every word shown is the client's own.
“As a single divorced woman, getting my finances organized and planning for retirement felt overwhelming at times. They treated me with respect, patience, and zero judgment from day one. What impressed me most was how clearly they explained everything and created a realistic plan that actually made me feel hopeful about the future. For the first time in years, I feel financially secure and confident that retiring soon is truly possible.”
“Jim and Donna have changed our future for the better! We thought we were in good shape — and we were — but had no idea until meeting with them and creating a better plan that we could be in a much better position. Grateful to have found them. Highly recommend anyone to sit with them to discuss a roadmap. Your future selves will thank you!”
“Swiech Consulting is top notch! Jim is a CPA with a lot of experience working for large firms. He's using his education and experience to create a business that helps small businesses and the average Joe save money and build for the future. I thank Jim and Donna for all the help they have given me — my business is doing well and I have to give them part of the credit.”
“Working with Swiech Consulting has been both cost-effective and reassuring. They uncovered important tax issues I never would have known about on my own. Their fees are transparent, and their advice is proactive, giving me real peace of mind. I sleep better knowing they're on the job!”
“Working with Swiech Consulting LLC has been an outstanding experience. Jim brings a rare mix of professionalism, deep industry knowledge, and down-to-earth guidance that makes him incredibly easy to work with. He doesn't just provide cookie-cutter advice — he listens, asks the right questions, and tailors his recommendations to your exact situation. What stands out most about Jim is his genuine care for his clients' growth and success. He's patient, thorough, and always willing to go the extra mile to make sure you feel confident in the direction you're heading.”
Ready to find out what
your taxes really look like?
Schedule your free 30-minute Tax Strategy Session. One hour. Real numbers. No pressure.
Complimentary, with no obligation.