MJ Matta and Associates

06/09/2026

Most people have no idea how much money should stay in their IRA by age 72.

And that one number can dramatically impact:
• your taxes in retirement
• your Social Security taxation
• your Medicare premiums
• and how much income you actually keep

David McKnight calls it your “Magic Number” — the ideal IRA balance designed to potentially maximize retirement withdrawals while minimizing taxes.*

Knowing this number can help you better understand:
✔ Roth conversion opportunities
✔ Tax-efficient retirement planning
✔ How to potentially move closer to the 0% tax bracket in retirement

Curious what your number might be?

Try the calculator here:
https://davidmcknight.com/the-magic-number-calculator/

*Results vary based on individual circumstances and current tax law.

06/04/2026

Keeping more of your money in retirement starts with having a tax strategy.

The goal is to make retirement feel easier, with less worry about how much of your income may be lost to taxes.

That’s the kind of planning I help people think through every day for 40+ years.

06/02/2026

Graduation season is a milestone worth celebrating, but it can also be a good reminder to think about the financial future of the young people in your life.

Whether it’s a child, grandchild, or recent graduate, small decisions made early can make a big difference over time.

I’m sharing tips for parents and grandparents who want to help young adults understand savings, 401(k)s, and Roth IRAs as they begin building their future.

It’s never too early to start the conversation.

05/31/2026

A couple came to me concerned that they didn’t have much left in savings after putting their kids through college... and they only had 10 years until retirement.

If you feel behind, that does not mean it is too late. There may still be opportunities to maximize employer matches, contribute to Roth accounts, and build a more tax-efficient retirement strategy.

It’s amazing how much money can accumulate over 10 years with the right plan.

If retirement is getting close, now is the time to start having these conversations.

📅 Schedule a complimentary consultation. www.taxfreeretirementforlife.com/home/contact-us
(614) 207-7798

05/28/2026

When you stop listening to financial gurus who don’t know your situation…
and start working with someone who understands you — your goals, your numbers, and your full financial picture — everything changes.

Because retirement planning shouldn’t be one-size-fits-all.

A personalized tax-efficient strategy can help you keep more of what you’ve worked so hard to save.

If you’re ready for a plan built around your life, let’s talk.

📅 Schedule a complimentary consultation. www.taxfreeretirementforlife.com/home/contact-us

(614) 207-7798

05/25/2026

Today, we pause to honor the courage and sacrifice of those who gave everything for our freedom. Their legacy is a reminder of the true cost of liberty—and our responsibility to carry it forward with gratitude.

Wishing you a Memorial Day filled with reflection and remembrance.

05/21/2026

Start your Roth conversions as soon as you’re in a position to pay the taxes.

The earlier you start, the more time those dollars have to potentially grow tax-free.

But there’s also a deadline to think about.

Once Required Minimum Distributions (RMDs) begin, your tax planning options can become more limited.

For most people, that means having a plan in place well before age 73.

Contact me at [email protected] and let’s talk about your retirement plan.

05/19/2026

My client, a retired Ohio teacher came to me with a question I hear often:

“Am I going to end up paying more taxes in retirement than I expected?”

Like many teachers, she had a pension providing reliable monthly income. But what she didn’t realize was that pension income may already fill up a large portion of her tax bracket before she ever touches her IRA, 403(b), or old 401(k).

When you already have guaranteed pension income, it may not make sense to keep stacking money in tax-deferred accounts that could create more taxable income later.

That’s why conversations around Roth conversions, tax-efficient income, and long-term planning matter.

Retirement planning is personal.

The right strategy depends on your pension, your savings, your income needs, and how much control you want over taxes in the future.

If you have questions about how your pension and retirement accounts work together, let’s talk.

📩 Contact me and let’s make a plan! [email protected].

05/07/2026

If you’re retired and still paying a large amount in taxes each year, it may be time to revisit your tax strategy.

With the Power of Zero, we focus on creating a more tax-efficient retirement income plan for the future through strategies like Roth conversions and proactive tax planning.

Retirement should be about freedom, peace of mind, and enjoying what you worked hard for — not worrying about taxes every year.

Let me show you how tax-efficient planning works. 📲 DM me or email [email protected] to get started.

04/28/2026

Most people think Social Security cuts will be obvious.

They won’t.

This video explains how the Internal Revenue Service could quietly reduce benefits through a “stealth tax” and why your income sources stacking together can increase what you owe.

Tip: Don’t just plan how much you withdraw in retirement. Plan where it comes from.

Watch to see how taxes could reshape what you actually keep.
https://www.youtube.com/watch?v=BmYgWlD7n0Q

Here’s the Stealth Approach the IRS May Take to Reduce Your Social Security Benefit Mike Matta