Tax Preparation & Planning in Green Bay
Proactive Tax Strategies to Protect Your Retirement Income and Wealth
Tax efficiency isn't just about filing returns every April — it's about making deliberate, forward-looking decisions year-round to minimize your lifetime tax burden. At Secure Retirement Solutions, we integrate professional tax preparation with strategic wealth management to help you keep more of your hard-earned money.
Moving Beyond Reactive Tax Filing
Most traditional tax services only look backward: reporting what happened over the past calendar year after it is too late to change the outcome. In retirement, however, unplanned tax consequences — such as bracket creep, taxation of Social Security benefits, or unexpected Medicare premium surcharges (IRMAA) — can significantly erode your net income.
By bringing tax preparation and retirement planning under one roof, we eliminate the traditional gap between your CPA and your financial advisor.
Located at 611 Packerland Drive in Green Bay, our team coordinates your annual tax filings directly with your investment distributions, Roth conversion opportunities, and estate goals to ensure every move is optimized for current and future tax laws.
Schedule a Meeting
If you believe you could benefit from working with a financial professional, let’s review your goals to see if you’re a good match for our practice.
Comprehensive Tax Solutions for Pre-Retirees & Retirees
We combine meticulous annual tax filing with multi-year tax planning strategies tailored to your financial timeline:
- Proactive Roth Conversions: We evaluate low-income years — such as the gap between retirement and age 70 — to convert pre-tax IRA funds to Roth accounts at lower tax rates, creating tax-free growth and distributions for the future.
- Required Minimum Distribution (RMD) Planning: We build drawdown strategies to manage forced RMDs at ages 73/75, utilizing tools like Qualified Charitable Distributions (QCDs) to fulfill required payouts without increasing taxable income.
- Tax-Efficient Withdrawal Strategies: We sequence distributions across taxable, tax-deferred, and tax-free buckets to control your annual taxable income and keep you in favorable federal and Wisconsin state tax brackets.
- Capital Gains & Loss Harvesting: We actively manage investment gains and harvest losses within taxable accounts to offset realized income and optimize your capital gains tax rates.
- Complete Individual Tax Preparation: Accurate, timely filing of your federal and state tax returns, ensuring all deductions, credits, and retirement-specific tax rules are fully leveraged.
Our Tax Planning & Preparation Process
To make managing your taxes smooth and seamless, we guide you through a clear, three-stage workflow:
Tax Return & Bracket Audit
Step 1: Analyzing previous returns. We review your recent tax returns and current income sources to identify tax reduction opportunities, bracket thresholds, and potential future tax liabilities.
Multi-Year Tax Blueprint
Step 2: Designing proactive strategies. We model multi-year tax scenarios — incorporating Roth conversions, distribution timing, and charitable strategies — to establish a roadmap for lowering lifetime taxes.
Annual Preparation & Monitoring:
Step 3: Filing & ongoing coordination. We prepare and electronically file your federal and Wisconsin tax returns while continuously aligning your portfolio distributions with tax laws as they change.
Frequently Asked Questions About Tax Services
Q: How does combining tax preparation with financial planning benefit me?
A: When your tax preparer and financial planner are the same team, you avoid miscommunications that cost money. Decisions regarding 401(k) withdrawals, Social Security timing, or portfolio rebalancing are executed with full visibility into how they will affect your April tax return and Medicare premiums.
Q: What is a Roth conversion, and how do I know if it makes sense for me?
A: A Roth conversion moves funds from a pre-tax account (like a Traditional IRA) into a Roth IRA. You pay income tax on the converted amount today, but the funds then grow tax-free and can be withdrawn tax-free later. It is often ideal during years when your taxable income is temporarily lower.
Q: Can you help lower the taxes I pay on my Social Security benefits?
A: Yes. Up to 85% of your Social Security benefits can become taxable depending on your "combined income." By managing where your other retirement income comes from (e.g., drawing from Roth IRAs or taxable accounts instead of Traditional IRAs), we can often keep your combined income below taxation thresholds.
Schedule a Consultation
Ready for a Tax Strategy That Works Hand-in-Hand with Your Retirement Plan?
Visit us at our Green Bay office or schedule an introductory phone call to discuss your cash-flow goals with a fiduciary advisor.
Secure Retirement Solutions, LLC
611 Packerland Drive | Green Bay, WI 54303
Phone: (920) 347-9888
Converting an employer plan account or Traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including but not limited to, a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency.