Retirement Tax Strategy
Keep more of what you saved. Live better. Leave more behind.
If you've spent decades building wealth in IRAs and 401(k)s, your biggest retirement risk may not be the market — it's your tax bill. We help pre-retirees and retirees reduce lifetime taxes, eliminate RMD surprises, and pass on a tax-efficient legacy.
No cost. No obligation. We'll confirm within one business day.
Who We Serve
You have $500,000+ in pre-tax retirement accounts and are watching those balances grow — along with your future tax liability.
You're concerned about Required Minimum Distributions forcing you into a higher bracket — beginning at age 73 (born 1951–1959) or age 75 (born 1960 or later).
You want to avoid leaving your children a tax-loaded inheritance they must drain within 10 years.
You're a high-income earner looking to reduce your current and future tax exposure through proactive planning.
You triggered a major taxable event — selling a business, real estate, or receiving an inheritance — and need a plan.
Your current financial advisor focuses on returns — but nobody is managing the tax side of your retirement picture.
Most financial planning focuses on growing your portfolio. But without a proactive tax strategy, higher returns often mean higher taxes — without a plan to keep what you've earned.
At TaxesRx.com, we focus exclusively on the tax side of retirement. Our goal is to reduce your lifetime tax liability using a combination of strategies tailored to your situation — not a one-size-fits-all product.
Our Services
We offer a full suite of retirement tax strategies — not just Roth conversions. Every client receives a written, multi-year plan tailored to their specific accounts, income, and goals.
A structured, multi-year plan to convert pre-tax IRA and 401(k) assets into tax-free Roth accounts — timed to your bracket, before RMDs force the issue. Includes our index-linked approach that protects against market loss during conversion.
Learn more →A comprehensive review of your entire tax picture in retirement — RMD projections, Social Security taxation, Medicare surcharges, and income bracket management — modeled across multiple scenarios so you can see the real numbers.
Learn more →Navigating a rollover incorrectly can trigger unnecessary taxes and penalties. We help you move retirement assets strategically — choosing the right account type, timing, and structure to preserve and protect your savings.
Learn more →Up to 85% of your Social Security benefits can be taxable — and large IRA distributions make it worse. We model the interaction between your retirement income sources to minimize the portion of Social Security that ends up taxed.
Learn more →In 2026, IRMAA surcharges begin at $109,000 (single filers) or $218,000 (joint filers) in income — and large IRA distributions can push you over that line. We plan your income and distributions strategically to keep you below the thresholds and protect your Medicare budget.
Learn more →Under the 10-year rule, heirs must drain inherited IRAs — and pay income tax on every distribution — within a decade of your death. We help you structure your estate to pass wealth to your family, not a tax liability.
Learn more →From bracket management and strategic timing of deductions to qualified charitable distributions and tax-loss harvesting, we identify every legal lever available to reduce your current and future income tax burden.
Learn more →Growth tied to a market index with a built-in floor against losses. Ideal for Roth conversions and protected accumulation — you participate in market upside without the sequence-of-returns risk that erodes retirement accounts.
Learn more →Properly structured permanent life insurance can provide tax-free income, estate liquidity, and a tax-efficient legacy vehicle. We evaluate whether this belongs in your retirement tax strategy — and explain honestly when it doesn't.
Learn more →Illustrative Scenarios
These scenarios illustrate the types of outcomes our strategies are designed to produce. Your results depend on your specific situation — account balances, tax bracket, and timeline. We model yours on the second call at no charge.
Roth Conversion + IRMAA Planning
Without a plan, projected RMDs at age 73 (born 1957) would push this client above the 2026 IRMAA threshold of $109,000 for single filers, triggering Medicare premium surcharges on top of higher income taxes.
Social Security + IRA Distribution Planning
Combined Social Security and IRA distributions were making 85% of their SS benefits taxable. Every dollar of RMD was creating additional tax on income they'd already "earned."
Legacy Planning + Life Insurance Strategy
Two adult children, both in peak earning years, would inherit a $1.2M IRA — forced to drain it within 10 years while paying income tax at their highest marginal rates.
About TaxesRx
TaxesRx.com is the retirement tax strategy division of Summit Family Group — built on over 37 years of financial services experience. We've seen how the tax side of retirement planning gets overlooked, and we've built a practice specifically to address it.
Our approach is straightforward: show you the numbers first, then let you decide. We model your RMD trajectory, your tax exposure across three scenarios, and the potential lifetime savings from a structured Roth conversion strategy — before you commit to anything.
This isn't a new idea. It's a proven strategy, applied with fresh discipline and complete transparency.
Meet the TeamWe focus exclusively on the tax side of retirement — not portfolio management, estate law, or general financial planning. Specialization makes us better at what we do.
Every recommendation starts with a model. We show you projected RMDs, tax cost by scenario, and lifetime savings estimates before you commit to anything.
You receive a written, multi-year retirement tax strategy. Not a conversation. Not a brochure. A real plan you can reference and execute year by year.
Our two-call process is built around your decision-making, not ours. The first call is purely diagnostic. You decide if and when to move forward.
Most people wait too long to fix retirement tax problems. The earlier you act, the more you keep. Start with a free, no-obligation retirement tax analysis — and see exactly what's possible for your situation.