Tax Planning for Pre-Retirees & Retirees Who Want to Keep More of What They’ve Earned
Most people spend decades saving for retirement without ever thinking about how much of that money the IRS may be entitled to. Required minimum distributions, shifting tax brackets, and the compounding complexity of retirement accounts mean that without a thoughtful strategy, you could be paying far more in taxes than necessary during the years you can least afford it.
At True Classic Wealth, retirement tax planning is a proactive, ongoing part of every strategy Tony builds.
Tony De Santis works directly with individuals ages 50 to 80 across the United States to design tax-efficient retirement strategies built to help you keep more of what you have earned, follow your own plan in retirement rather than the IRS’s, and preserve what you intend to leave behind.
Not watered down or handed off to a junior advisor. Built personally, for you, from start to finish.
Getting Divorced From the IRS in Retirement
If you have a retirement account and you do not have a strategy for managing it, the IRS has already written one for you. Required minimum distributions force you to withdraw money from your retirement accounts on a schedule determined by the government, often pushing you into higher tax brackets at a time when you are trying to preserve every dollar.
Tony’s approach to retirement tax planning is built around helping clients get divorced from the IRS in their retirement accounts.
That means designing strategies specifically intended to help minimize the amount of taxation you pay on your IRAs and other retirement assets, so your money follows your plan instead of theirs.
This is not a one-time conversation. Tony coordinates tax-efficient strategies as an ongoing part of your retirement income plan, adapting as tax laws change and your situation evolves, so you are never caught off guard.
Tax-Efficient Retirement Planning That Works Alongside Your Income Strategy
At True Classic Wealth, tax planning is never treated as a separate box to check at year-end. It’s built into your retirement income strategy from the beginning, because the decisions you make today about your retirement accounts will determine how much of your own money you actually get to keep and enjoy.
Whether you are weighing the timing of withdrawals, thinking through the tax implications of your retirement income sources, or looking for strategies to help minimize what you owe on your retirement accounts over time, Tony works through each piece with you personally.
Tony guides every client through a coordinated strategy that accounts for your full retirement picture, from income to taxes to legacy.
FREE GUIDE
6 Strategies for Tax-Free Growth
Discover practical, time-tested strategies to help minimize taxation on your retirement savings and keep more of what you have worked hard to build. This clear guide walks through six powerful approaches from Roth accounts and HSAs to municipal bonds and more so you can make smarter, tax-efficient decisions with confidence.
Tax Planning Insights From the Road
Tony regularly shares clear, practical guidance on retirement investment strategy, portfolio management, asset allocation,
and more, written in plain English so you feel more informed and confident about your financial future with every read.
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Retirement Tax Planning: Frequently Asked Questions
Here are honest answers to the tax planning questions we hear most often.
What does retirement tax planning actually involve?
It involves building strategies designed to help minimize the amount of taxes you pay on your retirement accounts and income over time. Tony coordinates this as an ongoing part of your retirement plan, not a one-time year-end task.
What are required minimum distributions and why do they matter?
RMDs are government-mandated withdrawals from your retirement accounts that begin at a set age, whether you need the money or not. Without a strategy, they can push you into a higher tax bracket and significantly reduce what you pass on to your family.
Can you help me pay less in taxes on my IRA?
Tony designs retirement strategies specifically intended to help clients minimize the taxation they pay on their IRAs and retirement accounts. The goal is to help your money follow your plan, not the IRS’s.
When is the right time to start retirement tax planning?
The earlier the better, but it is never too late. The decisions you make about your retirement accounts in the years leading up to and into retirement have a direct impact on how much of your own money you keep.
Do you work with my CPA or accountant?
Tony coordinates with your existing tax and legal professionals so your retirement strategy is aligned across every dimension. He works alongside your team, not around them.
Ready to Stop Letting the IRS
Write Your Retirement Plan?
You have spent a lifetime earning and saving. A proactive tax strategy built into your retirement income plan can help you keep as much as possible.
Tony De Santis is ready to have a real, no-pressure conversation about what tax-efficient retirement planning can do for your future.
There is no fee for your strategy session and no obligation.
Just a clear path forward, built the classic way. Schedule your complimentary Discovery Meeting today. Tony’s four retirement books are yours free when you do.
Four Books Free
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No-Fee Strategy Session
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No Obligation