A Better Retirement Starts With Better Timing.
Every retirement dollar has a tax date.
When you withdraw, which accounts you draw from, and when you convert to a Roth IRA can all affect how much you keep. We help you plan the timing to minimize unnecessary taxes and make your retirement savings go further.
30 minutes. Free. No tax return needed.
Who typically benefits
Retirement planning matters most when you earn well, save heavily, and want your savings to last.
Choosing between pre-tax, Roth, and after-tax savings
Funding retirement from the business
Turning stock into lasting retirement income
Withdrawals, required distributions, and legacy
Questions we help answer
“I max out my 401(k). Am I saving in the right accounts?”
“Should I do a Roth conversion this year?”
“When can I afford to retire, and what will taxes look like then?”
“Once I stop working, which accounts should I draw from first?”
“I own a business. What’s the best way to fund my own retirement?”
Numbers worth knowing
Key 2026 figures that shape a retirement plan.
$24,500
The 401(k) employee deferral limit, or $32,500 with the age 50+ catch-up
$7,500
The IRA contribution limit, with Roth IRA eligibility phasing out starting at $153,000 (single) and $242,000 (married filing jointly)
73 or 75
The age required minimum distributions begin: 73 for most people today, and 75 for those born in 1960 or later
How we help you
The team at WealthQuant Advisors helps you look at where you are and the retirement you want, then designs a tailored plan to get you there.
Where are you saving?
A mix of pre-tax, Roth, and taxable accounts gives you more control over tax in retirement. We look at the mix you have and the one you need.
What will you need, and when?
We estimate the income you want, the date you want it, and when Social Security and other income sources should begin.
How will you draw it down?
The order of withdrawals, required distributions, and Roth conversions in lower-income years can all change your lifetime tax bill.
Is your plan built for your situation?
Owners can use plans beyond a 401(k). Equity earners can time stock sales with retirement dates. We fit the plan to how you earn.
One Big Move. Many Moving Parts.
Plan design, Roth conversions and claiming — on time.
Income Strategies
Vests, exercises and deductions — timed to your bracket.
Capital Gains Strategies
Estate & Legacy Strategies
Life planning
Buying a home, getting married or facing illness or injury changes more than one part of your finances. We connect cash flow, goals, protection and tax timing in one plan.
Common questions about retirement planning
What is retirement tax planning?
It’s planning where you save, when you withdraw, and how you convert between account types so that less of your retirement savings goes to tax over your lifetime.
Should I save in a traditional or a Roth account?
A traditional account lowers your tax today and is taxed when you withdraw. A Roth account is taxed today and withdrawn tax-free if the rules are met. Which is better depends on your tax rate now versus later, and many people benefit from both.
What is a Roth conversion?
It means moving money from a traditional IRA or 401(k) into a Roth account. The amount converted is taxed as ordinary income in the year you convert, so timing matters. Years with lower income can be good candidates.
When do required minimum distributions start?
At age 73 for most people today, and at 75 for those born in 1960 or later. Withdrawals are taxed as ordinary income, so planning before they begin can help.
What can business owners do beyond a 401(k)?
Depending on your income and employees, options include a profit-sharing contribution, a defined benefit plan, or a cash balance plan, which can allow much larger deductible contributions. Each has costs and requirements.
Educational only. Not tax, legal, or investment advice. Strategies depend on your situation.
See how your retirement will be taxed
A free 30-minute Tax X-Ray. We’ll look at your accounts, your timeline, and the moves worth considering. No tax return needed.