From Tamarac to our door
Boynton Beach, FL 33435
Retiree-focused services
Social Security taxation, required minimum distributions, Medicare premium-related IRMAA planning, and Roth conversion timing dominate the planning picture for Tamarac residents.
Full practice, at a retiree's pace
Full practice.
- Personal income tax preparation (federal + state)
- S-corp, partnership, and corporate returns
- Bookkeeping, payroll, and QuickBooks support
- IRS and state audit representation
- Business formation and Florida compliance
RMDs without surprises
Required minimum distributions currently begin at age 73, and the penalty for missing one, while reduced in recent law, is still money handed away for nothing. IRA RMDs can be aggregated and taken from one account; workplace plans generally can't. We calculate the amounts, set the withholding, and calendar the deadlines so nothing slips.
Giving from an IRA the smart way
Once you're eligible, a qualified charitable distribution sends money from your IRA directly to charity, counts toward your RMD, and never lands in adjusted gross income. That last part is the win: lower AGI protects against Social Security taxation and Medicare IRMAA brackets in a way a normal itemized donation can't.
When a spouse passes
The year a spouse dies, the survivor generally still files jointly, and inherited assets typically receive a stepped-up basis that erases old paper gains. After that come the practical pieces: retitled accounts, possibly a trust or estate return on Form 1041, and new withholding for a single filer. We walk families through the sequence without adding pressure to a hard year.
Common questions
- Do you handle estate income tax returns?
- Yes. Form 1041 estate and trust returns are part of our individual tax practice.
- When do I have to start taking RMDs?
- Under current law, at age 73. The first one can be delayed until April 1 of the following year, but doubling up two distributions in one tax year often costs more than it saves.
- How do I keep my Medicare premiums from jumping?
- IRMAA brackets look at income from two years back, so manage AGI now: qualified charitable distributions, measured Roth conversions, and capital gain timing are the usual tools.
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