Retirement isn’t just about what you’ve saved—it’s about what you keep.
You’ve worked hard, invested wisely, and built substantial wealth. Now that you’re approaching or enjoying retirement, it’s time to think about preservation—and that starts with taxes.
The wealthiest retirees know this: taxes don’t stop when you stop working. In fact, without a plan, your tax burden in retirement can quietly erode everything you’ve built.
That’s why they work with experts to make smart, proactive moves—right now.
💡 Looking for guidance on tax-efficient retirement planning?
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Wealthy retirees are converting portions of traditional IRAs into Roth IRAs before required minimum distributions (RMDs) begin. Why?
🔁 A Roth conversion can backfire if done without a strategy.
A trusted advisor can help time and size conversions wisely. Find yours →
Don’t let market dips go to waste. Tax-loss harvesting—selling underperforming investments to offset gains—isn’t just for younger investors. Retirees with taxable accounts can still benefit.
Pair losses with rebalancing to keep your portfolio aligned while minimizing taxes.
If you’re 70½ or older and giving to charity, wealthy retirees know that QCDs from IRAs are one of the most efficient ways to donate.
❤️ Philanthropy with tax perks? That’s smart giving.
Ask your advisor how QCDs can fit into your income plan. Start here →
It’s not just what you invest in—but where.
High-net-worth retirees often place income-generating assets in tax-deferred accounts and growth-focused or tax-efficient assets in taxable ones. This careful placement strategy helps minimize annual taxes and improve overall returns.
In retirement, income tends to fluctuate. Savvy retirees “fill” their lower tax brackets intentionally—by realizing capital gains, taking distributions, or converting IRA assets—to take advantage of favorable rates before they rise.
It’s the opposite of guesswork—it’s surgical.
The current federal estate tax exemption won’t last forever. Wealthy retirees are gifting assets strategically now—through irrevocable trusts, family LLCs, and annual exclusion gifts—to lock in today’s generous thresholds.
They’re not just preserving wealth—they’re protecting legacies.
🧾 Not sure if your estate plan is tax-optimized?
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While many claim Social Security as soon as they’re eligible, wealthier retirees often wait. Why?
This isn’t about delay for delay’s sake—it’s about maximizing long-term income while minimizing taxes.
The most financially secure retirees didn’t get there by chance. They got there by working with professionals who helped them optimize, not just accumulate.
🎯 Whether you're five years out or already retired, a tax-smart advisor can help you keep more of what you've earned.
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It's about strategy. And now’s the time to sharpen yours.