Taxes

You might be retired - but the IRS isn't

You spent your career building a nest egg for the life you’ve always imagined in retirement.
But what happens when the government starts taking a slice of that pie?

The truth is, retirement doesn't mean you're done with taxes. In fact, for many retirees, taxes become more complex—and potentially more costly.

At Stone Retirement, we help you create a retirement plan that’s not just built for longevity, but also designed to reduce your lifetime tax burden.

🧾 Why Retirement Taxes Catch People Off Guard

Most people assume that they’ll be in a lower tax bracket during retirement.
But with Social Security, required minimum distributions (RMDs), pensions, and investment income, that’s not always the case.

Here's how taxes can quietly erode your retirement income:

1. Taxable Retirement Income

Many of the sources you rely on in retirement—like 401(k)s, IRAs, and annuities—are fully taxable when withdrawn.

✅ You saved diligently... but now every withdrawal could raise your tax bill.
Without a tax-smart withdrawal strategy, you may lose more than you expected to the IRS.

2. Social Security Taxation

Yes—Social Security can be taxed, depending on your other income.

If your “provisional income” exceeds certain thresholds, up to 85% of your Social Security benefits may be taxable.

That’s money you could have kept with the right planning.

3. Required Minimum Distributions (RMDs)

At age 73, the IRS requires you to start withdrawing from your tax-deferred retirement accounts—even if you don’t need the money.

That means:

Sudden spikes in income

Higher tax brackets

Increased Medicare premiums

More taxable Social Security

A Roth conversion strategy or structured withdrawal plan can help you take back control.

4. Capital Gains & Investment Taxes

Selling a home? Downsizing? Cashing out appreciated assets?
You could face capital gains taxes—especially if you haven’t planned for how those events will impact your tax bracket.

And don't forget taxes on dividends and interest, which add to your income total.

5. Estate & Inheritance Taxes

Even after you’re gone, your assets can be subject to:

Federal estate taxes (depending on size)

State estate/inheritance taxes

Income taxes on inherited IRAs (for non-spousal heirs)

Without the right estate plan, your heirs could lose a significant portion of what you intended to pass on.

🧠 Tax Planning = Retirement Planning

At Stone Retirement, we believe your retirement plan isn’t complete unless it’s tax-smart.

We help you:

Optimize withdrawals to lower lifetime taxes

Strategically convert pre-tax assets into tax-free income

Manage RMDs and plan for Medicare surcharges

Minimize Social Security taxation

Build an estate plan that protects your legacy from unnecessary taxes

✅ What We Offer

✔️ Personalized retirement tax analysis
✔️ Roth conversion strategies tailored to your timeline
✔️ Tax-efficient withdrawal plans
✔️ Attorney-reviewed estate plans at 30% less than most firms
✔️ Ongoing guidance for a changing tax landscape

❤️ Keep More of What You've Earned

You've worked too hard to give more than necessary to Uncle Sam.
Let’s create a retirement plan that’s built to protect your lifestyle—and your legacy.