Keep More of What You’ve Earned
Coordinated tax strategies that support your retirement income — not work against it.
Tax planning is a critical part of retirement. Through our strategic partnership with third-party tax professionals, our tax preparation support helps ensure your filings are accurate, timely, and optimized for savings — so more of your money stays working for you.
Our Tax Preparation Services
Federal & State Tax Filings
Support for federal and state tax filings, including complex returns such as Schedule C, E, and F — coordinated with our third-party tax professional partners to help you file accurately and on time.
Roth & Income Strategy Analysis
Roth conversion analysis and tax-efficient retirement income strategies designed to balance today’s tax bill with tomorrow’s opportunity — so your income plan and tax plan work hand in hand.
Proactive Tax Mitigation
Proactive tax mitigation to maximize your income and minimize your tax burden, with an eye toward required minimum distributions, Social Security taxation, and future bracket changes.
Tax Planning That Works With Your Retirement Plan
We work with our tax professional partners and with you to identify opportunities for tax efficiency — both now and throughout retirement — so you can make the most of every dollar.
- Coordinate your investment, income, and tax planning instead of treating them as separate decisions.
- Highlight strategies to manage RMDs, Social Security taxation, and portfolio withdrawals.
- Adjust over time as laws, markets, and your life circumstances change.
How We Work Together
Gather & Review
We review your recent returns, retirement accounts, and income sources to understand your current tax picture and where you may be overpaying.
Identify Opportunities
Working alongside third-party tax professionals, we identify strategies such as Roth conversions, bracket management, and timing of income to improve tax efficiency.
File & Implement
Your tax professional handles the filings; we help ensure your investment and income strategies line up with the tax plan going forward.
Monitor & Adjust
As tax laws evolve and your retirement progresses, we revisit your plan to help keep your tax burden as low and predictable as possible.
Taxes Don’t Stop in Retirement — But Overpaying Can.
From RMDs to Social Security taxation, taxes can quietly erode your retirement income. Our goal is to help you minimize your tax burden and keep more of what you’ve earned, with a coordinated plan built around both your lifestyle and your long-term goals.
Pivotal Financial does not provide tax or legal advice. All tax preparation services are provided by independent third-party tax professionals. Please consult your tax professional for personalized guidance.