Services
Retirement income planning
A paycheck plan for retirement, with the tax worked out for each year.
Retirement changes where income comes from, and the tax on it depends on the order you use your accounts. The years between leaving work and required distributions are often the cheapest tax years you’ll have, and they’re easy to waste.
People within ten years of retiring, and retirees who want to control their tax bracket and Medicare premiums.
A ten-year income map with an estimated tax for each year
A Roth conversion schedule sized to your bracket
Social Security claiming analysis for each spouse
A monthly paycheck plan from your accounts
RMD planning, including charitable distributions from IRAs
Medicare premium (IRMAA) checks before each large income event
Year before retiring
Income map built; pension and Social Security options compared.
First year
Paycheck set up; first conversion sized in November.
Every year
Conversion, withdrawals and gains planned together at the year-end projection.
At 73
Required distributions scheduled, with gifts to charity from the IRA where it helps.
Converting part of an IRA to Roth each year between retirement and 73, keeping income inside the 22% or 24% bracket.
Delaying the higher earner’s Social Security to 70 while drawing from taxable accounts.
Using qualified charitable distributions to meet an RMD without adding to income.
Examples describe typical situations, not the results of any specific client. Outcomes depend on your circumstances.
When should I start Social Security?
Is a Roth conversion right for me?
Will my Medicare premiums go up?
Related reading
Retirement
Roth conversions in a low-income year: the window most retirees miss
The years between your last paycheck and required distributions may be the lowest-tax years you’ll ever have. Here’s how to use them.
Read →
Estate
Inheriting an IRA under the 10-year rule
Most people who inherit an IRA must empty it within ten years, and some must take withdrawals every year. Here’s how to plan the clock.
Read →
Next step
Talk to the person who’d run this for you.
A 30-minute intro call, with the advisor who leads this work.
What does it cost? See our fees page.
Visit, call or log in
Denver
1450 Larimer Street, Suite 800, Denver, CO 80202
Call
Mon–Fri, 8:30–5:30 MT. Extended hours Feb 1 – Apr 15.
The quarterly tax letter
Four emails a year: what changed, what’s due, what to decide. No sales.
Ostrand Wealth & Tax, LLC is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training.
Nothing on this site is tax, legal or investment advice for your situation. Talk to us, or to your own advisor, before acting on it.
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