Boca Retirement Strategies, Inc.

Boca Retirement Strategies, Inc. BRS is a comprehensive financial planning and wealth management firm. is a comprehensive financial planning and wealth management firm.

Get your free retirement assessment here: https://www.bocaretirement.com/get-started

Boca Retirement Strategies, Inc. We’re here to work with good people and small business owners who are diligently saving for retirement, and those who are already living through retirement. We work in all corners of our clients’ financial lives to deliver value. From tax strategies, to asset management, t

o estate planning, BRS wants to help guide you through it all. Learn more about what we do https://www.bocaretirement.com/whatweoffer. We believe the best way to serve and bring value to our clients is through holistic relationships and straightforward financial planning. BRS provides candid advice with your personal values and goals in mind. We are also a 100% fee-only firm, which allows us to stay true to our moral, fiduciary, and ethical principles. Boca Retirement Strategies is positioned in South Florida and Western Massachusetts allowing us to cater to people who, like us, don’t think just one or the other is enough in life. BRS only works with the best people with who we can build lasting relationships and life partnerships with. Chat with us with no obligation, and let’s see if we’d made a good team.

05/27/2026

One small income mistake can lead to one big Medicare bill.

Retirees can get blindsided by IRMAA, the income-related monthly adjustment amount.

Cross an income threshold by even $1, and your Medicare Part B and Part D premiums can jump sharply, and you may not even realize it until years later.

Before selling investments, taking a large IRA withdrawal, doing a Roth conversion, or adding side income in retirement, check how it could affect your Medicare premiums in our latest video!

05/23/2026

Florida’s tax advantages can be valuable, but residency still needs to be documented clearly. Filing a declaration of domicile, updating vehicle registration, and changing mailing addresses for key accounts may help support your Florida residency.

It can also help to track how many days you spend in Florida and coordinate any rental or business income tied to another state with a CPA.

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05/20/2026

Florida has major tax perks for retirees, but small mistakes can still create costly issues. Simply owning a condo may not be enough to prove Florida domicile. Driver’s license, voter registration, estate documents, and other records can all matter.

Income property or business activity in another state may also create tax obligations there, even if Florida is your primary home.

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05/18/2026

Florida can offer major tax advantages for retirees, including no state income tax, no tax on Social Security, and no estate or inheritance tax. But that does not always mean every tax issue disappears.

Income or property tied to another state could still create tax questions. Pensions, rental income, part year residency, voting records, car registration, or spending significant time elsewhere may all affect how residency is viewed.

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05/14/2026

Spending winters in Florida can feel like the best of both worlds.

Warm weather, low taxes, and the ability to keep ties up north.

But those same ties can sometimes create tax questions you might not expect.

If your income, property, business, registration, or time is still connected to another state, your retirement tax picture may be more complicated than “Oh, I live in Florida now.”

Florida’s tax benefits are real, but retirees and snowbirds still need to understand how residency and income ties can affect the bigger picture!

05/01/2026

Many assume their tax bill will go down once they retire.

It comes from a simple assumption: “I’ll probably be in a lower tax bracket later.”

Lower tax bracket = lower tax bill.

Simple. Right?

Unfortunately, retirement income doesn’t always work that cleanly.

In our latest video, we examine what happens when pensions, Social Security, IRA withdrawals, rental income, and even Medicare premiums all start stacking together.

04/26/2026

Before making a Roth conversion, it may help to follow a simple framework. Review current and future tax brackets, look at historical rates, and consider long term goals. It can also be useful to factor in Medicare related thresholds, possible state changes, and how conversions might be spread over time.

Planning how to cover the tax bill and keeping accurate records are also key parts of the process.

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04/24/2026

Roth conversions can be powerful, but timing and sizing matter. Converting a large amount in one year could push income into higher tax brackets and increase overall taxes. In some cases, spreading conversions over multiple years may lead to a lower total tax bill.

That said, there are situations where a larger one time conversion might still make sense. The key is looking ahead and understanding how decisions today could affect taxes over time.

Follow for more insights on retirement and tax planning.

04/22/2026

Before making a Roth conversion, it may help to follow a simple framework. Review current and future tax brackets, look at historical rates, and consider long term goals. It can also be useful to factor in Medicare related thresholds, possible state changes, and how conversions might be spread over time.

Planning how to cover the tax bill and keeping accurate records are also key parts of the process.

Follow for more insights on retirement and tax planning

04/15/2026

Everyone loves the idea of a Roth conversion until the tax bill shows up.

What was supposed to feel like “free money” can turn into a higher tax bracket, surprise Medicare premiums, and a much bigger check to the IRS than expected.

We’ve seen people convert hundreds of thousands in one year without realizing the ripple effects, and it ended up costing them tens of thousands more than necessary.

In our latest video, we break down the three biggest Roth conversion mistakes, including how timing, tax brackets, and IRMAA can completely change the outcome.

Address

Boca Raton, FL
33487

Opening Hours

Monday 7am - 6pm
Tuesday 7am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

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