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.
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.
Frequently asked
Answers to what people ask us most.
No cost guides
Work through it yourself first
What to Weigh Before a Roth Conversion
A framework for thinking through the timing, amount, and tradeoffs of moving traditional retirement dollars into a Roth account — not a recommendation to convert.
Read the previewHow to Read Your Own Tax Return in Retirement
A line-by-line walk through the items on a retired household's return that most often signal a planning opportunity worth raising with your CPA or adviser.
Read the previewHow Qualified Charitable Distributions Work
The general mechanics, eligibility rules, and common mistakes behind giving directly from an IRA to charity.
Read the previewHow Health Savings Accounts Actually Work
A general walkthrough of eligibility, contributions, qualified distributions, and the Medicare interaction that catches many account holders off guard.
Read the preview
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.
Related services
Explore related planning areas
- Retirement Income Planning
Turn savings into a coordinated, tax-aware paycheck.
Learn more about Retirement Income Planning - 401(k) & IRA Rollovers
Careful rollover analysis with a written recommendation.
Learn more about 401(k) & IRA Rollovers - Estate & Legacy Planning
Beneficiaries, trusts, and legacy coordination.
Learn more about Estate & Legacy Planning
Serving your area
Local planning, close to home
Discreet, by-appointment planning for PV families.