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Retirement Planning Services
for Tax-Smart Income

Schedule your consultation and explore your options 360 degrees

What are retirement planning services?

These services turn the savings & benefits and taxes into a documented plan for the years before and after you stop working. With these dedicated CFP Services, Dimov Tax focuses on how much you need, when you can retire and how to draw income without last second taxation surprises.

When should you start it?

Once you have the amount in a 401(k), IRA or brokerage account and a rough timeline decision. It can be really helpful if any of the scenarios below sound familiar:

  • You are within 10–15 years of stopping full-time work
  • A pension & RSUs or a business sale might change the cash flow
  • You would like to compare “retire earlier” vs “work a few more years”
  • You are worried about taxes rising once RMDs begin

What does a CFP review for your plan?

A CFP custom-builds the plan around followable numbers — not guesswork. Our CFP services review is outlined as follows:

  • Current savings rate & account mix — pre-tax, Roth, taxable
  • Expected income sources — pay, pension, rentals, business income
  • Employer benefits — covering match rules and stock plans
  • Emergency cash & insurance gaps that could derail the plan
  • Taxation brackets & how withdrawals influence them

How do tax-efficient retirement withdrawals work?

Tax-efficient retirement withdrawals are about picking the right account. They should be in the correct year and for the right reason. The retirement withdrawal strategy may cover spreading income over time, leveraging Roth conversions when they are meaningful and preventing IRMAA or bracket spikes.

Withdrawal sourceWhenCommon tax note
Traditional IRA / 401(k)Years with lower incomeOrdinary income — may impact Medicare surcharges
Roth IRAYears you want more flexibilityGenerally tax-free if rules are satisfied
Taxable brokerageBridging early retirementCapital gains rules apply
HSA — qualified medicalHealth costs in later yearsPotentially tax-free if used properly

How do you set a retirement income strategy for the long term?

A retirement income strategy simply sets the spending target. It then assigns income sources in order to cover it year by year. Our team includes Social Security planning & Medicare planning. This way, we benefit from timing and health coverage does not become an afterthought. And then, we stress-test the plan for inflation and market drops as well as big one-time costs

What happens during a retirement planning engagement?

Retirement planning functions at an optimum level when the tasks pay attention to a transparent sequence and each choice has a tax check attached. Here is how our team generally runs it:

  1. Discovery — goals, ideal retirement lifestyle, retirement date range, key worries and what success looks like — including any giving or legacy goals
  2. Preferences — how often you want touchpoints, your preferred format and any prior advisor experience — what you liked and disliked
  3. Data review — accounts, benefits, income items and expenses, dependents and the latest tax return
  4. Scenario modeling — compare options like retire at 62 vs 67
  5. Action list — contribution targets & account moves and a withdrawal order
  6. Annual check-in — update after life changes and each tax season
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Ready to start with Dimov Tax?

If you require tax-efficient retirement planning that links together with taxes and benefits alongside spending elements, reach out to us today. Our professionals present expert support for tax optimization.

FAQs

How much does it cost?

Fees vary by complexity and the number of accounts, but pricing starts from $480. After intake, our team presents a transparent quote before any work begins.

How does tax-efficient retirement planning work if I have Roth and pre-tax accounts?

We project taxes ahead and select the correct account each year in order to land withdrawals where you want them.

What is the best retirement withdrawal strategy once RMDs begin?

We establish a transparent withdrawal order early — and adjust when RMDs start at 73 — with a later start age of 75 scheduled for people born in 1960 or later.

How does Social Security planning affect a couple’s retirement income strategy?

We compare claiming dates & survivor benefits so the income plan holds up for both spouses.

How can Medicare planning help limit IRMAA premium add-ons?

Because higher income has the potential to raise Part B and Part D costs. Our team watches those income generators when timing withdrawals and conversions.

Can I use tax-efficient retirement withdrawals before age 59½?

Early withdrawals might generate an extra 10% tax — unless an IRS exception applies. Therefore, we confirm the rule before pulling the funds.

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