Multi-year tax modeling
Roth conversion strategy, charitable timing, capital gains realization, withdrawal sequencing. Modeled over the years where the brackets are flexible.
Financial planning for pre-retirees in their 50s and early 60s, when most of the levers still work. Roth conversions, Social Security timing, healthcare bridge planning, and withdrawal sequencing all get decided here.
Roth conversion strategy, charitable timing, capital gains realization, withdrawal sequencing. Modeled over the years where the brackets are flexible.
From end of employer coverage to Medicare. ACA exchange subsidies, COBRA, retiree health plan timing. One of the bigger out-of-pocket questions in early retirement.
When to claim, how spousal benefits factor in, and how the claim sequence fits with the withdrawal sequence.
By the time work income stops, the withdrawal plan should be written and rehearsed. The order of operations matters.
We meet on a real cadence, usually quarterly. The plan flexes as your life and the tax code change. Most relationships span decades.
Offices in Boca Raton and Plantation, plus licensed in all 50 states. Existing clients keep us when they move.
Composite scenarios drawn from real client work, anonymized.
Cash flow stabilized, beneficiaries audited, a draft plan in hand. Most clients feel oriented by month three.
Tax positioning implemented, investment policy in place, the first quarterly reviews done. Decisions start compounding.
The plan has flexed to handle real-life shifts (a new job, a sale, a loss). The pattern is steady decisions, not reactive ones.
Most pre-retirement planning relationships are intensive in year one (when the planning gets built) and then settle into a quarterly review cadence. The first year typically involves 4 to 6 meetings to build the full picture. After that, the rhythm is set by the calendar of the planning itself: Roth conversion deadlines, year-end tax work, Social Security filing milestones.
If you're within 10 years of when you want to retire, this is the window. The Roth conversion years, the Social Security claim decision, the healthcare bridge, the rollover timing. All of it benefits from real-time modeling and a written plan.
Common entry points:
The complete hub. Income strategy, withdrawal sequencing, RMDs, healthcare.
See retirement planning →Multi-year tax modeling for the low-income window before RMDs start.
See roth conversion strategy →When to claim, how spousal and survivor benefits factor in.
See social security optimization →Many pre-retirees also fit one of these:
"We started Roth conversions five years before I retired. The tax savings over the rest of our lives is real money. I wish we had started sooner."
"The healthcare bridge plan from age 62 to 65 was the part I hadn't thought about. Beth ran the ACA subsidy math and we restructured the withdrawal sequence to qualify. Big difference."
"Beth modeled my Social Security claim three different ways. We landed on delaying to 68. The breakeven math made it obvious once I could actually see it."
Posts our wealth advisors have put together on this topic.
The most useful window is somewhere between age 50 and 60. That gives you 5 to 15 years before retirement, with time to adjust savings rate, run Roth conversions through the low-tax years, and model Social Security claiming. If you're inside 5 years, the work is still worth doing but tighter.
There's no single number. The honest version: you need enough that the withdrawals you take (after tax, after inflation) cover your spending for as long as you live. For most clients we model three or four scenarios with different spending and longevity assumptions. Use the calculator for a starting number, but a real plan goes deeper.
The healthcare bridge is the gap between when employer coverage ends (retirement) and when Medicare starts (age 65). Options include COBRA (usually 18 months), the ACA exchange (with potential subsidies based on income), retiree health plans where available, or spousal coverage if applicable. The planning involves both the cost and the income management that affects subsidy eligibility.
For most clients in good health with other income to bridge the gap, delaying produces the largest lifetime expected payout. The benefit grows about 8 percent per year for each year you delay past full retirement age, up to age 70. But the default math isn't the right answer for everyone. Health, spouse situation, and other income all matter.
Depends on the tax situation, but the general principle: taxable accounts first (to use up cash, basis is high), then tax-deferred (manage the bracket), then Roth (last, since growth is tax-free). The actual sequence usually involves drawing partially from multiple buckets each year to manage the tax bracket. We model it for your specific situation.
The first meeting is a conversation, not a sales pitch. We'll talk about where you are, what you're working through, and whether Intercoastal is the right fit. In person in Boca Raton or Plantation, or by video from anywhere.