RETIREMENT TAX PLANNING
Retirement Tax Planning in San Antonio
Retirement tax planning from a CPA and former IRS Revenue Agent. Jessica models Roth conversions, IRA and TSP withdrawals, Social Security, and Medicare premium effects over several years, so you can decide with the numbers in front of you.
Roth conversion analysis from $1,200 See what’s included
- Former IRS Revenue Agent
- Roth conversion modeling
- TSP and military families
- Not an investment advisor
- Rated 5.0 on Google
LOOK BEYOND A SINGLE TAX RETURN
Will Your Next Withdrawal Raise Your Taxes for Years?
In retirement, one decision affects several tax years. A Roth conversion can raise Medicare premiums two years later, and an IRA withdrawal can make more of your Social Security taxable. Jessica runs the numbers across years before you act.
She starts with your prior returns, expected retirement income, account types, and the decisions you are weighing.
AN ILLUSTRATION, NOT A PROMISE
A Simple Example: Converting Before Required Withdrawals Begin
Illustrative example. A retired married couple, both 62, has most of their savings in traditional IRAs and modest other income. They have not started Social Security.
- Each year until Social Security and required minimum distributions begin, they convert enough to Roth to stay within their current tax bracket.
- Each conversion is checked against Medicare premium thresholds, which use income from two years earlier.
- Later, smaller required withdrawals can mean less taxable Social Security, and a surviving spouse filing single faces a smaller tax bill.
Whether this helps depends on your balances, income, ages, and tax law at the time. Your numbers will differ, and no result is guaranteed.
CLIENTS APPROACHING OR LIVING IN RETIREMENT
Who Retirement Tax Planning Is For
- High-income professionals who want to evaluate the tax effect of retirement contributions, conversions, and changing income
- Military members, veterans, and federal employees with TSP, pension, or transition-related tax questions
- S corporation and small-business owners coordinating business income with owner retirement contributions and distributions
- Dual-income households with Roth IRA eligibility, nondeductible IRA contribution, or conversion-reporting questions
- Pre-retirees who want multi-year tax projections before wages or business income changes
- Retirees coordinating pensions, Social Security, retirement-plan distributions, withholding, and required minimum distributions
A SCOPE BUILT AROUND DEFINED QUESTIONS
Before and Around Retirement
Roth Conversion Tax Modeling
Compare the estimated tax effect of the conversion amounts and years included in your engagement. The analysis may consider other income, deductions, existing IRA basis, withholding or estimated payments, and selected income-based tax consequences. A conversion can make previously untaxed amounts taxable, and the final decision and transaction remain with the client and account custodian.
IRA Contribution and Conversion Reporting
Evaluate tax eligibility and reporting questions involving traditional IRA contributions, Roth IRA contributions, nondeductible IRA basis, and Roth conversions. Existing traditional, SEP, and SIMPLE IRA balances can affect the tax calculation. Contribution and conversion limits, deadlines, and reporting must be checked for the applicable year.
TSP and Employer-Plan Distribution Tax Questions
Review the federal tax and withholding considerations for the TSP or another employer retirement plan when a distribution or eligible rollover is being considered. Plan eligibility, available distribution methods, account selection, fees, investments, and transaction execution remain with the plan, custodian, client, and financial adviser.
Business-Owner Retirement Contribution Coordination
Model the owner-level tax effect of selected retirement-plan contribution amounts alongside expected business income when included in the scope. Plan design, eligibility testing, contribution calculations, administration, and ERISA compliance remain with the appropriate plan professionals.
When Withdrawals, Social Security, and Medicare Begin
Required Minimum Distribution Tax Projections
Estimate the taxable income, withholding, and payment effect of required minimum distributions for the accounts and year included in the engagement. The applicable starting date, account balance, beneficiary status, plan rules, and current tax law must be confirmed for each client.
Retirement-Income Tax Projections
Combine the income sources included in your engagement, such as wages, business income, pensions, Social Security, taxable investment income, and retirement-plan distributions to estimate a federal tax position. The analysis may also address withholding or estimated payments.
Social Security Taxability
Model how the client’s other income may affect the taxable portion of Social Security benefits. Jessica can explain the tax consequences of the claiming scenarios supplied by the client or benefits professional, but does not select a claiming age or provide benefits advice unless that separate service is expressly offered.
Potential Medicare Income-Related Premium Effects
When included, the projection may identify whether modeled income could affect income-related Medicare premiums. This is tax-focused modeling, not Medicare enrollment or benefits advice, and current thresholds and rules must be verified for the applicable year.
Tax-Aware Distribution Scenario Analysis
Compare the estimated tax results of the specific distribution amounts and account sources included in your engagement. Jessica does not choose investments, direct trades, or determine the client’s full retirement-income or portfolio strategy.
PRICING
Roth Conversion Analysis Starts at $1,200
For one household, single or married filing jointly, the analysis includes:
- A projection for this year and each year until required withdrawals begin
- Up to three scenarios: no conversion, fill your current bracket, or fill the next bracket
- Effects on tax brackets, Medicare premiums, Social Security taxation, required withdrawals, and a surviving spouse’s single filing status
- A written summary of 2–4 pages with a recommended amount and timing for this year
- One review meeting and one revision within 30 days
Re-running the analysis to add a year also starts at $1,200; a multi-year engagement can lower the price per year. This is tax analysis, not investment advice.
Quoted Separately
- Investment advice or choosing which holdings to convert
- Carrying out the conversion with your account custodian
- Analysis of a planned move to another state
- Preparing your tax return (Form 8606 is filed with the return)
- Estate or inheritance planning
What Clients Say
Jessica is rated 5.0 on Google. These reviews are shown as written; you can read every review on her Google Business Profile.
5 out of 5 stars
“I highly recommend Jessica if you’re looking for a CPA. I went into the process with zero knowledge about taxes, and she made everything feel manageable. She’s incredibly helpful, patient, and knowledgeable, and you can tell she genuinely cares about doing things the right way for her clients. She really takes pride in her work and makes sure you’re set up in the best way possible.”
Aleena L. · Google review
5 out of 5 stars
“Found Jessica online, and so glad I did. She’s really supported my small business, even helping me transition from an LLC to an S-Corp. She’s always communicative and professional, and gives so much more of a personable experience than large firms. She has vast knowledge and even worked for the IRS. She knows her stuff. Highly recommend.”
Cat T. · Google review
5 out of 5 stars
“My taxes were a bit of mess when I found Jessica. Since working with her, I’ve felt so confident about how everything is structured now. I have an LLC S-corp so it’s not a easy task to get it straightened out but she managed it with ease. I can’t recommend her enough!”
Brayan H. · Google review
A CLEAR START BEFORE WORK BEGINS
How the Engagement Begins
Book a Fit Call
Book a free 15-minute call. Share your ages, the accounts you have (IRA, 401(k), TSP), and when you plan to start Social Security. Keep it general for now.
Share Your Records Securely
If it looks like a fit, upload your last two returns and recent account statements through SmartVault.
Receive a Written Proposal
You receive a fixed fee and a written scope listing the years and scenarios included.
Review Your Projection
Jessica builds the multi-year projection, sends a written summary, and walks you through it in a review meeting.
Your CPA: Jessica Gonzalez
Jessica is a Texas-licensed CPA and former IRS Revenue Agent in the Small Business/Self-Employed Division, with public accounting experience. She leads every engagement. Other qualified team members may help with defined tasks, while Jessica stays involved as described in your engagement.
Retirement Tax Questions
Should I Do a Roth Conversion This Year?
It depends on your tax bracket now compared with later, your Medicare premium thresholds, and when Social Security and required withdrawals begin. That is exactly what the analysis compares before you act.
How Do Roth Conversions Affect Medicare Premiums?
Medicare uses your income from two years earlier to set Part B and Part D premiums. A large conversion at 63 or later can raise premiums two years later, so conversion amounts are checked against those thresholds.
How Much of My Social Security Will Be Taxed?
Up to 85% of benefits can be taxable, depending on your other income. Withdrawals and conversions can increase the taxable share, which the projection shows year by year.
When Do Required Minimum Distributions Start?
Generally at age 73, or 75 if you were born in 1960 or later. Converting before then can reduce later required withdrawals.
Do You Manage Investments?
No. Jessica analyzes tax consequences within the agreed scope. She may coordinate tax information with a financial adviser, plan administrator, attorney, or benefits specialist when authorized. Investment selection, portfolio allocation, securities transactions, legal documents, benefit elections, and plan administration remain with the client and the appropriately licensed or responsible professional.
What Does the Analysis Cost?
A Roth conversion analysis starts at $1,200 for one household. Adding a year later also starts at $1,200, and a multi-year engagement can lower the price per year.
READY TO TALK
Start With a 15-Minute Fit Call
Tell Jessica what you need and when you need it. The complimentary 15-minute call helps determine whether the work fits the firm’s services and schedule. If it does, Jessica will explain the secure next step and prepare a written proposal.
Please do not send tax returns, Social Security numbers, employer identification numbers, bank statements, payroll records, IRS notices, or other confidential documents through the public website form or regular email.