Tax Strategies & Roth Conversions

Smart Tax Planning

Paying Less in Taxes Starts with a Plan

Once you retire, your income may feel more flexible—but so are your taxes. That’s why smart planning in the years before and after retirement can make a meaningful difference in how much of your money stays yours.


At Freedom Financial Planning Solutions, we help you find opportunities to reduce your lifetime tax burden—not just your tax bill this year. Roth conversions, strategic withdrawals, and tax-aware planning can help turn your savings into long-term income with fewer surprises.

Start with a Free Planning Call

What We Help You Figure Out:

  • Should I be doing Roth conversions?

    We help you evaluate if converting now could reduce future taxes—especially during low-income years or before RMDs begin. It’s not right for everyone, but it’s worth exploring with a clear plan.

  • When should I take money from which account?

    We guide you through a tax-aware withdrawal strategy—coordinating traditional, Roth, and taxable accounts to support steady income while minimizing unnecessary tax spikes.

  • How do I manage Required Minimum Distributions (RMDs)?

    We plan for RMDs well before they start, helping you avoid surprises and potentially reduce their impact with smart withdrawals or Roth conversions in the years leading up to age 73.

  • Can I reduce my tax burden without lowering my lifestyle?

    Yes—many strategies are about timing, not sacrifice. We help you keep more of what you’ve earned, without disrupting your quality of life.

  • Is this just about Roth conversions, or something more?

    Roth conversions are one tool—we also look at withdrawal sequencing, bracket management, Medicare IRMAA thresholds, and seasonal income planning as part of a bigger strategy.

What Goes Into a Tax-Smart Retirement Strategy

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Roth Conversion Strategy

We help identify low-income years or bracket gaps where conversions can be beneficial.

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Account Withdrawal Order

We build a plan that taps into accounts in a tax-efficient sequence—not just what feels easiest.

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RMD & Future Tax Planning

We plan around what your income will look like later—so surprises don’t hit you in your 70s.

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Straightforward, Ongoing Conversations

We revisit your strategy as your income, expenses, or laws change—not just once.

our ongoing process

Looking Beyond This Year’s Return

01

Review Your Current Picture

We look at your account balances, expected income, and filing status to understand where you stand.

02

Map the Strategy

We run scenarios to show how strategic conversions or withdrawals might lower your long-term tax burden.

03

Coordinate

We align the tax piece with your spending, Social Security, investment goals, and future needs.

04

Adjust as Needed

We revisit your plan annually—because no tax situation is static.

Plan With Taxes in Mind—Not as an Afterthought

Retirement planning is about more than returns. It’s about what you keep. We help you build a strategy that makes the most of what you’ve earned, every step of the way.