Go Beyond Tax

Insights

Plain-English articles
on retirement tax strategy.

Real numbers. Real frameworks. No fluff.

·5 min read

Tax Filing vs Tax Planning: The Difference That Costs Six Figures

There's a difference between tax filing and tax planning. Almost everyone has someone doing the filing. Almost nobody has someone doing the planning. For retirement-age households, the gap can quietly cost six figures.

Read article
·4 min read

The $100,000 Social Security Decision Most People Make in 10 Minutes

For many households, the Social Security claiming decision can impact retirement income by $100,000 or more over time. Most people make the decision in about 15 minutes.

Read article
·8 min read

Withdrawal Sequencing in Retirement: Which Account to Tap First

You retire with three different buckets of money: a traditional IRA or 401(k), a Roth IRA, and a taxable brokerage account. You need income in retirement. Which account should you use first?

Read article
·5 min read

Roth Conversion Strategy for Buffalo Area Retirees

If you live in the Buffalo metro and are within 10 years of retirement, Roth conversions deserve a specific look. New York state tax adds a layer to the federal math that generic Roth content skips. Here's the WNY-specific version.

Read article
·6 min read

The Roth Conversion Window Most Retirees Miss (And Why It's Worth Six Figures)

For households with large traditional IRAs, the years between retirement and RMDs are some of the most valuable tax planning years they'll ever have. Here's why — and how coordinating Roth conversions with Social Security timing can change your lifetime tax picture.

Read article

More coming soon

We publish a new article roughly every other week. Get them in your inbox by grabbing the free guide.

Get new articles in your inbox.

Grab the free workbook — The Retirement Ready Workbook— and you'll also get our occasional articles when they go live.

Get the workbook