Retirement & Roth IRA Tax Planning

How much you keep in retirement depends as much on tax decisions as investment ones — which accounts you fund, in what order, when you convert, and when you withdraw. We help individuals across Blackwood, New Jersey and all 50 states turn those decisions into a plan, so more of what you've saved stays yours.

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Retirement planning is tax planning

A retirement account isn't just a place to save — it's a set of tax choices. A traditional 401(k) or IRA lowers your taxes now; a Roth lowers them later; the right mix depends on where you are today and where you expect to be. Getting that balance right, year after year, is where a planner earns their keep.

What we help you with

Contributions, used fully. For 2026 that can mean up to $24,500 in a 401(k)-type plan and $7,500 in an IRA, with catch-ups of $8,000 and $1,100 if you're 50+ (and a larger 401(k) catch-up at 60–63).
Roth strategy and conversions. Whether to contribute to a Roth, and whether to convert traditional savings in a lower-income year — timed to manage the tax hit.
Income limits and the backdoor Roth. Roth contributions phase out at higher incomes (for 2026, roughly $153,000–$168,000 single and $242,000–$252,000 married filing jointly); above that, there are still options worth planning.
Withdrawals and required distributions, sequenced to keep your retirement tax bill as low as possible.

Want the detail? Start with how a Roth IRA fits your financial future.

Just opened a Roth IRA? Here's your next step.

Opening the account is the easy part — a surprising number sit empty or in cash for years. If you've just opened one and aren't sure what to do next, our quick guide walks you through it: I opened a Roth IRA — now what? And if you'd rather have someone look at how it fits the rest of your picture, that's exactly what a consultation is for.

Who we help

Savers who want their contributions working as hard on taxes as on returns, higher earners deciding between traditional and Roth (or navigating the income limits), and people approaching or in retirement who want to draw down without an avoidable tax surprise.

How it works

We review your accounts and your year — what you have, what you're contributing, and your expected tax picture now vs. later.
We build the plan — contribution mix, any conversion moves, and a withdrawal approach, with the tax impact spelled out.
We keep it on track — revisited each year as the limits and your situation change.