No. We are not a tax firm and do not prepare returns. We model tax strategies and coordinate directly with your CPA before anything is implemented.

Is a Roth conversion right for me?

It depends on your current bracket, future bracket, time horizon, and how you'll pay the tax. In some years converting makes sense; in others it doesn't. We model it before recommending.

What is IRMAA and why should I care?

IRMAA is a Medicare Part B and D surcharge tied to your income from two years prior. Large one-time income events (like a big Roth conversion) can push you into a higher IRMAA bracket.

How much is the QCD limit?

The Qualified Charitable Distribution limit is $111,000 per individual in 2026 (indexed annually). Married couples can each do their own QCD from their own IRA.

(602) 753-4244 info@solutionsfirstgroup.com14614 N Kierland Blvd, Suite N330, Scottsdale, AZMon–Thu 9–5 · Fri 9–2 MSTMon–Thu 9a–5p · Fri 9a–2p MST · By appointment

Schedule

Tax-Aware Planning

Keep more of what you've saved — legally and intentionally

Coordinate Roth conversions, RMDs, QCDs, and withdrawal timing with your CPA so you don't overpay in retirement.

Book a no-cost Strategy Session

An open tax-planning binder and highlighted spreadsheet on a wood desk, coordinated with a CPA

What's included

A written plan built around your goals — clear, coordinated, and in writing.

Roth Conversion Modeling

Multi-year projections that show the tax cost today versus potential savings on future RMDs, Medicare IRMAA, and surviving-spouse brackets.

RMD Strategy

Plan around Required Minimum Distributions starting at age 73, including partial conversions before RMDs begin.

QCDs for Charitable Giving

Qualified Charitable Distributions from an IRA (up to $111,000 in 2026) can satisfy RMDs while excluding the gift from taxable income.

Bracket Management

Fill lower tax brackets in low-income years to help avoid larger jumps later. Coordinate with capital gains and IRMAA thresholds.

Our process

Simple, transparent, and never rushed.

01
Discovery Call
A brief conversation to understand your goals, timeline, and current situation.
02
Strategy Session
A no-cost 45-minute review with Joe covering income, taxes, protection, and legacy gaps.
03
Written Plan
You receive a clear, written roadmap outlining recommendations, trade-offs, and next steps.
04
Implementation & Reviews
We help implement the plan and revisit it as life, markets, and tax law change.

Ready to see how this looks for your household?

Your Strategy Session is at no cost and no obligation. Bring your questions — we'll bring the analysis.

Schedule Now

Frequently asked

Answers to what people ask us most.

What you can expect

Straight answers, in writing, without pressure.

A 45-minute no-cost Strategy Session with Joe Donti
Clear written recommendations — no heavy product pitch
Coordination with your CPA and attorney where relevant
By-appointment scheduling — never a call-center handoff

Plan your next step

Independent retirement income, tax, and legacy planning — in person by appointment or by secure video.

Request a Retirement Plan Review

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