Retirement

Tax Planning

Schedule Your Retirement Tax Review

Keep more of what you worked for — with a retirement tax plan that actually makes sense.
If you’re close to retiring or already retired, taxes can change fast. Social Security, RMDs, Roth conversions, Medicare premiums, and investment income all stack together — and one “small” move can create a surprise tax bill.

Keystone Tax helps retirees and near-retirees build clear, practical tax strategies that reduce lifetime taxes and protect your retirement income.

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What retirement tax planning helps you avoid:

Retirement taxes aren’t just about filing a return — they’re about timing, income sources, and avoiding avoidable penalties and premium increases.

We help you plan ahead so you don’t get blindsided by:

  • Social Security being taxed more than expected

  • RMD surprises (and RMD penalties)

  • Roth conversions that push you into a higher bracket

  • Medicare IRMAA premium jumps

  • Capital gains and dividends stacking with retirement income

  • Large “one-time” income events (home sale, inheritance, business sale, stock sale)

Schedule Your Retirement Tax Review

Retirement tax services we provide:

Social Security & retirement income tax planning

  • We’ll show you how your different income streams impact Social Security taxation and help you structure income in a way that’s tax-efficient.

RMD strategy + penalty prevention

  • Required Minimum Distributions can raise your tax bill quickly. We help you plan withdrawals, avoid mistakes, and stay compliant.

Roth conversion planning

  • Roth conversions can be powerful — when done intentionally. We help you choose the right amount at the right time to reduce lifetime taxes.

Medicare IRMAA awareness & planning

  • We help you understand how income can impact Medicare premiums and plan around it when possible

Tax preparation with retirement in mind

  • We don’t just “file and forget.”

  • We prepare your return while tracking opportunities for next year.

Who this is for:

What a Retirement Tax Review looks like:

This page is for you if you’re:

  • Retiring in the next 1–5 years

  • Recently retired and want a clearer plan

  • Managing RMDs for the first time

  • Considering Roth conversions

  • Concerned about taxes on Social Security and investment income

  • Tired of guessing — and want a real strategy

  • We gather the basics (income sources, retirement accounts, investment income, goals)

  • We identify the big tax levers (RMD timing, Roth windows, brackets, Medicare impacts)

  • You get a clear action plan for this year + next steps

Schedule Your Retirement Tax Review

Let’s make retirement taxes simpler — and smarter.
Schedule your Retirement Tax Review today.