Smart Tax Planning for a Confident Retirement
Reduce taxes, keep more of your savings, and feel confident about the future — in Florida or anywhere nationwide.
Keep More of What You’ve Earned — Tax Planning for Retirees
Taxes don’t retire when you do — but with the right strategy, you can control how much you pay and when. At Roger Fishel Financial, we build tax-efficient retirement plans personalized to your lifestyle and income needs.
From optimizing Social Security timing and managing required minimum distributions to exploring Roth conversions and capital gains tax strategies, we coordinate every part of your plan to preserve more of your wealth.
By partnering with a CPA and taking a proactive, long-term approach, we help you reduce tax surprises, stay compliant, and create a retirement income strategy that works with the tax code — not against it.
Because smarter tax planning means more flexibility, more confidence, and more freedom to enjoy the life you’ve built.
Tax Planning That Works Smarter — So Your Retirement Lasts Longer
Many retirees pay more tax than they should — simply because their plan isn’t built to anticipate how tax law, income streams, and life events interact.
Here’s how we give you an edge:
Strategic income timing — Plan withdrawals and pension/RMD distributions to help control your tax bracket year by year.
Smart Roth conversions — Use low-tax windows to move funds into Roth accounts and reduce future required distributions.
Capital gains tax management — Align sales of appreciated investments with your income plan to help avoid unnecessary taxes.
Medicare & Social Security coordination — Avoid premium surcharges and unpleasant surprises by managing income thresholds.
Tax-efficient investment design — Structure your portfolio to balance growth, income, and tax impact.
CPA collaboration — We work hand in hand with tax professionals to create a smooth, unified plan.
Annual review & law updates — Adjust as tax rules and your personal circumstances evolve, so your strategy stays sharp.
Because tax planning isn’t just about this year — it’s about preserving wealth, protecting your lifestyle, and creating more freedom in retirement.
Complimentary “Found Money” Tax Report — No Cost, Big Insights
We’ll analyze your situation to uncover potential tax savings and educate you on strategies like Roth conversions, Social Security taxation, and net unrealized appreciation — so you make informed decisions.
How Our Tax Planning Process Works
Discover
Share your current retirement picture and tax concerns.
Analyze
We review income, assets, and tax opportunities.
Plan
Build a tax-smart retirement income strategy.
Adjust
Update as tax laws and life change.
Keep More of What You’ve Earned and Gain Clarity About Your Taxes
Contact us to schedule a visit and see how smart, personalized tax planning can help you keep more of your savings, reduce stress, and focus on what truly matters.