Will Taxes Eat Up More of Your Retirement Than You Expect?
Proactive tax strategies, Roth conversions, and Required Minimum Distribution (RMD) planning for individuals approaching age 73.
The IRS has a plan for your retirement accounts... Do you?
Many retirees are shocked to discover that their tax bracket actually increases in retirement once Social Security and RMDs kick in. If the bulk of your savings is in tax-deferred accounts like traditional IRAs or 401(k)s, you are sitting on a ticking tax time bomb.
Keep more of what you've earned
We specialize in identifying your "Retirement Tax Window"—the crucial years between when you stop working and when RMDs begin. By strategically implementing Roth conversions and tax-efficient withdrawal strategies during this window, we help you reduce your lifetime tax burden.
Reduce unnecessary taxes in retirement
Make confident financial decisions with a clear plan
The Retirement Tax Window Review
For high-net-worth pre-retirees and retirees looking to minimize their lifetime tax liability. In your first conversation, we will:
- Review your major account types and their tax classifications.
- Identify potential opportunities for Roth conversions.
- Outline the potential impact of upcoming RMDs on your tax bracket.
Our Simple 3-Step Process
1. Discover
We review your timeline, fears, and financial reality.
2. Analyze
We stress-test your current savings against your future income needs.
3. Plan
You leave with a clear understanding of your readiness to retire.
Trusted by Clients Planning for Tax Window Review
Amelia
"We first met with CochranMickles when my husband was getting ready to retire. We did a lot of Internet researching before we decided upon that appointment. We were as nervous about the prospect of someone else going over our finances as we were about being able to afford retirement. We’d heard horror stories about retirees who were duped by financial advisors who turned out to be unscrupulous. We quickly surmised this would not be the case here. Meeting with them to do our retirement plan was money well spent. A few years later, after my husband retired, we asked CochranMickles to handle our retirement."
Norman
"I want to thank CochranMickels for fifteen years of steady growth in my Trust and Savings Accounts. Your availability and counsel have provided me with a secure financial plan that allows me to be confident that those who succeed me will benefit. In addition, it is comforting to know that I can call on CochranMickels when questions arise on wills and other financial related matters. Both you and my account executive, Lucas Staples, have been a pleasure to do business with. I look forward to more years of financial security with your company."
This Readiness Review is designed for you if:
- You are planning to retire within the next 1 to 5 years.
- You have $500K+ in investable assets.
- You want a trusted, fee-only fiduciary—not a product salesperson.
Don’t Leave Your Tax Window Review Date to Chance
The decisions you make today will impact your income for decades.
Get clarity. Reduce risk. Move forward with confidence.
Complimentary Tax Window Analysis
Fill out the form below to get started:
4801 University Square Drive, Suite 26 Huntsville, AL 35816
Huntsville Office: 256-417-4870
Orlando Office:
407-220-1040
Disclaimer:
Investment Advisory Services are offered through CochranMickels Retirement Specialists, LLC., a state-registered investment advisor domiciled in Alabama.