Retirement and Tax Planning
Strategic Tax Planning for your Retirement
Whether you are preparing for traditional retirement or aiming to retire early, thoughtful planning is essential. At Apple Blossom Tax Service, we help clients throughout Sonoma County create clear strategies for using savings wisely, reducing taxes, and supporting the lifestyle they envision. Melissa and her team guide you through each step, incorporating recent tax law changes and tailoring every recommendation to your goals, timeline, and financial situation.
What We Cover:
Optimize Withdrawals
We help create a tax-efficient withdrawal strategy from your IRAs, 401(k)s, and taxable accounts, planning not just when but how much to withdraw, maximizing growth and minimizing taxes.
Social Security Guidance
From understanding how Social Security will be taxed to determining the best time to claim benefits, we help coordinate all your income streams for the greatest advantage if you retire early or at full retirement age.
Early Retirement Strategies
Thinking about retiring years ahead of schedule? We’ll help you navigate health insurance options, access retirement funds, and plan Social Security and pension timing to suit your early retirement goals.
Roth Conversions & Strategic Timing
Proactive moves, like Roth conversions or fine-tuned capital gains planning, can help lock in lower tax rates, crucial whether you’re retiring early or after 65.
Required Minimum Distributions
Guidance on RMDs includes strategies like qualified charitable distributions to help meet requirements while minimizing taxable income, even for those who retire early.
Ongoing Support
Our advisory team provides judgement-free guidance and clear answers, so you can confidently pursue every milestone of retirement, on your own timeline.
Build a tax-aware plan for saving and drawing income.
Let’s plan your retirement or early retirement spend-down for tax efficiency, growth, and peace of mind. Wherever you are, and wherever you’re headed.
Prepare your legacy. Coordinate taxes with wills, trusts, and gifts.