How can I reduce taxes in retirement?

Reducing taxes in retirement requires coordinating withdrawals across different account types — taxable brokerage accounts, traditional IRAs, and Roth accounts — in a sequence that minimizes your marginal tax rate over time. It also involves managing Required Minimum Distributions, understanding how Social Security income is taxed, and being aware of how income levels affect Medicare premiums. This is one of the highest-value planning areas we work on with clients approaching and in retirement.