The five to ten years before retirement help decide the next thirty. Roth conversion timing, income sequencing, concentrated stock, and estate coordination — planned together while every lever is still available.
The gap between the last big paycheck and RMDs is often one of the single most valuable tax windows of your life. We model the full sequence — not just this year.
Which accounts to draw from, in what order, to help ensure taxable income stays where you want it and Medicare surcharges don't creep in.
Multi-year exit plans for concentrated positions and non-qualified deferred comp coordinated with the income plan.
Filing age modeled against spousal benefits, longevity, and the tax picture — not a rule of thumb.
Titling, beneficiary designations, trust structures, and lifetime gifting aligned with your actual estate documents. Our firm does not provide tax or legal advice or services.
IRMAA-aware income design so a Roth conversion or capital gain doesn't quietly triple next year's Medicare premiums.
The best time to plan is 5–10 years before retirement. A 30-minute call is enough to see whether integrated planning could change your after-tax outcome.