Tax Planning for Pre-Retirees
Smarter strategies with a Personal CFO
As you approach retirement, taxes may be your single biggest lifetime expense. Many families assume their CPA handles “tax planning”, but in reality, most CPAs focus mainly on tax preparation (filing last year’s return).
A Personal CFO takes a proactive role: reviewing returns with specialized tax analysis tools, modeling “what-if” scenarios, and coordinating directly with your CPA and estate attorney. With this collaborative approach, you gain year-round oversight to capture tax-saving opportunities often overlooked in traditional planning.
Benefits of proactive tax planning
Holistic Oversight
Coordinated planning across non-retirement accounts, investments, Social Security, and Medicare.
Forward-Looking Analysis
Roth conversions, RMD strategies, tax loss strategy, and capital gain harvesting modeled before year-end.
Avoiding “Tax Surprises”
Smooth out taxes over retirement to avoid higher brackets and Medicare penalties.
