Retirement Tax Planning That Looks Beyond April 15th
Your tax return tells you what happened last year.
We help you decide what to do next.
Ardent Tax & Advisory, PLLC combines forward-looking tax planning, retirement analysis, and tax preparation to help individuals and families make more informed decisions about Roth conversions, retirement income, Social Security, Medicare, investments, and legacy planning.
CPA insight. CFP® planning. One coordinated strategy.
Tax Preparation Is Important. Tax Planning Goes Further.
Most tax preparation happens after the opportunity to change the outcome has already passed.
A Roth conversion must happen before year-end.
A capital gain may already have been realized.
A Social Security decision may be difficult to reverse.
A large RMD may have been decades in the making.
That is why our process starts with a different question:
What decisions can we make today that may improve your tax picture over the years ahead?
We combine the information from your tax return with comprehensive retirement projections to evaluate not only this year's taxes, but the potential long-term consequences of the decisions you make throughout retirement.
Planning Around The Decisions That Matter
Roth Conversion Strategy
Determine whether converting portions of tax-deferred retirement accounts may improve long-term tax efficiency—and identify when and how much to consider converting.
Retirement Income Planning
Coordinate withdrawals from taxable, tax-deferred, and Roth accounts with Social Security, required minimum distributions, and other sources of retirement income.
Medicare & IRMAA Planning
Evaluate how Roth conversions, investment income, and retirement distributions may affect Medicare income-related premium surcharges.
RMD Planning
Project future required minimum distributions and identify opportunities to address growing tax-deferred balances before RMDs begin.
Surviving-Spouse Planning
Evaluate how a future transition from married filing jointly to single filing status could affect tax brackets, Medicare premiums, and retirement distributions.
Legacy & Beneficiary Planning
Consider how inherited retirement accounts may ultimately be taxed to children and other beneficiaries—not simply how much wealth may be transferred.
Two Disciplines. One Planning Process.
Financial planning and tax planning are often handled separately.
We believe they work better together.
Our CPA and CFP® professionals use specialized tax-planning and financial-planning technology to evaluate both sides of the decision.
That means a Roth conversion is not considered solely because it may reduce future taxes.
We also ask:
Can your retirement plan support the tax cost today?
What happens to future RMDs?
Could the conversion increase Medicare premiums?
What happens if one spouse dies earlier than expected?
How might the decision affect beneficiaries?
Does the strategy still make sense under different assumptions?
The objective isn't simply to pay less tax this year.
It's to make better tax and financial decisions over the lifetime of your wealth.
The Ardent Retirement Tax Optimization Plan
Our flagship planning engagement combines:
Comprehensive tax-return analysis
Multi-year Roth conversion modeling
Current-year tax projections
RMD analysis
Retirement withdrawal strategy
Social Security and Medicare coordination
Surviving-spouse analysis
Beneficiary tax analysis
Comprehensive financial-plan validation
CPA and CFP® professional review
Year-end tax planning
Federal and one-state individual income-tax preparation
And it comes with our $250,000 Projected Tax & IRMAA Opportunity Guarantee.
If our completed analysis does not identify at least $250,000 in projected lifetime tax and IRMAA savings under our documented methodology and assumptions, you will not pay the standard $6,500 Initial Engagement fee.*
Planning Without an Asset-Management Requirement
You do not have to transfer your investments to Ardent Wealth Management to work with Ardent Tax & Advisory. The Retirement Tax Optimization Plan is designed to stand on its own. You can engage us for the planning, receive your recommendations, have us prepare your tax return, and decide separately how you would like to manage your investments.
Good planning should have value on its own.
Important Guarantee Disclosure
*The $250,000 Projected Tax & IRMAA Opportunity Guarantee is subject to the terms, methodology, assumptions, client-information requirements, scope limitations, and exclusions contained in the applicable engagement agreement. Projected savings are hypothetical and are not guarantees of actual future savings or tax results. Future circumstances and tax laws may differ materially from the assumptions used in the analysis.
Tax planning and tax preparation services are provided by Ardent Tax & Advisory, PLLC.