The Prosperous Living Library
Retirement tax articles for Florida retirees covering Roth conversions, required minimum distributions, IRMAA, tax-friendly states and year-end moves to keep more of your savings.
About This Topic
Florida has no state income tax, but federal taxes can still take a large bite out of retirement income. Required minimum distributions, Roth conversions, the taxation of Social Security benefits and Medicare IRMAA surcharges all interact, and the order you draw from your accounts can change what you pay over your lifetime.
The guides in this section explain these rules and the planning moves that can help, such as filling lower tax brackets before RMDs begin, timing conversions and avoiding the widow's tax trap. They are educational, so review your own situation with a qualified tax professional before acting.
See how we coordinate taxes with your income plan on our tax-efficient strategies page.
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