Retirement & Income Planning
Maximize retirement contributions and optimize withdrawal strategies to minimize lifetime taxes while building substantial retirement wealth.
Our retirement and income planning strategies help business owners and high earners maximize tax-deductible contributions while creating coordinated withdrawal strategies that minimize lifetime tax burden.
Defined Benefit Plans
Traditional pension plans promising formula-based benefits at retirement, allowing for significant current deductions especially beneficial for older owner-employees.
Cash Balance Plans
Hybrid defined benefit plans that credit pay and interest to hypothetical accounts while maintaining defined benefit funding rules, offering flexibility with higher deductions.
Tax-Efficient Withdrawals
Coordinated strategy for drawing income from taxable, tax-deferred, and Roth accounts to minimize lifetime taxes, manage Medicare surcharges, and extend portfolio longevity.
Important Disclosures
All strategies are subject to IRS rules, limitations, and documentation standards. Numbers are illustrative only. Stonebridge Tax Advisors LLC does not provide legal or investment advice. Implementation requires coordination with your CPA, attorney, and qualified third parties where applicable.
Ready to Optimize Your Retirement Strategy?
Our Tax Impact Assessment will help identify which retirement and income planning strategies best fit your business structure and retirement goals.