06/16/2026
Most retirees find out too late. Here's why 👀
By the time your CPA sends the tax return in February, the year is already locked. Every decision that could have reduced your bill? Gone.
But there's a window, often hiding between the day you retire and the day Social Security and RMDs begin, where your taxable income sits unusually low.
That gap is one of the most valuable planning opportunities in retirement. The problem is most people don't even realize they're in it.
A mid-year tax projection shows you exactly where you stand right now: your income, your deductions, your bracket exposure, and how much room you have left before crossing into a higher tier.
Know that number, and you can make smarter Roth conversion decisions, avoid accidentally making more of your Social Security taxable, and steer clear of IRMAA Medicare surcharges before they hit.
Miss it, and you find out in February.
The year is still open. The question is whether you're using the time you have left.
Educational content only; not individualized investment, tax, or legal advice. Investing involves risk, including possible loss of principal. Past performance is not indicative of future results.
Strategies discussed are general in nature and may not be suitable for your situation. Consult your tax and/or legal professional regarding your circumstances.
Hilltop Wealth & Tax Solutions is a financial advisor.
