The IRS is a silent partner in your IRA. Let's shrink their share.
Every pre-tax dollar you've saved comes with a future tax bill. The years between retirement and required distributions are your best — and last — chance to control it.
Schedule My Free ConsultationSound familiar?
- Most of your savings sit in pre-tax 401(k) and IRA accounts.
- You haven't looked at Roth conversions during your low-income years.
- Required minimum distributions may push you into a higher bracket later.
- You don't know how Georgia's retirement income exclusion applies to you.
How the process works
1. Bracket mapping
We project your taxable income year by year through required distributions so you can see where the spikes are before they happen.
2. Conversion windows
We identify the years where partial Roth conversions cost the least, and size them to fill a bracket rather than overflow it.
3. Account location
Growth assets, income assets, and cash each have a tax-smart home. Placing them correctly can quietly add years of spending.
4. Coordinate with your CPA
We don't replace your tax preparer — we hand them a plan. We coordinate directly so filings and projections match.
What you walk away with
- Multi-year taxable income projection
- Roth conversion window analysis
- RMD and IRMAA exposure estimate
- Georgia retirement income exclusion review
- Asset location recommendations
How to keep more of what you saved — legally, and years in advance.
Common questions
Is a Roth conversion right for everyone?
No. Conversions can backfire if they push you into a higher bracket, raise Medicare premiums, or you'll need the money soon. That's exactly what the analysis is for.
Do you prepare taxes?
We don't file returns and don't provide tax advice as a substitute for your CPA. We build the planning strategy and coordinate with your tax professional.
Six standards we won't compromise on.
Retirement money deserves more scrutiny than a quote engine can offer. Here's what we require of every advisor in the network.
Independent, not captive
The specialists we match you with aren't employed by one insurance company, so they can compare contracts across multiple A-rated carriers.
Licensed in Georgia
Every advisor in our network holds an active Georgia insurance license and works in your county — not a call center in another state.
A-rated carriers only
Guarantees are only as strong as the company behind them. We focus on carriers rated A or better by A.M. Best.
Everything in writing
Fees, surrender periods, and how your advisor is paid are disclosed in plain English before you sign anything.
Your data is never sold
Your information goes to one matched advisor. We don't run lead auctions and we don't resell your contact details.
No-pressure standard
If an annuity isn't the right fit for your situation, a good advisor will tell you so. That's the standard we hold our network to.
Georgia Solutions Group is a referral service, not a financial advisor, broker-dealer, or insurance company. Annuities are insurance products; guarantees are subject to the claims-paying ability of the issuing insurer.
Schedule your free retirement consultation
A 30-minute, no-obligation call with a licensed, independent Georgia advisor. You'll leave with your income gap in writing.
Free · No obligation · Your information is never sold