Retirement & Pension Plans
Retirement planning is easier to act on when you can see how the tax pieces fit together.
There are many different types of retirement plans available, including an Individual Retirement Account (IRA) and a 401(k) plan.
We help individuals and businesses compare choices, understand contributions, and consider how a plan can defer tax liability while supporting the future you want.
Who this is for
Individuals and business owners evaluating retirement-plan choices, contributions, distributions, and tax consequences.
Common situations we can help you work through.
- You want to know whether current savings and contributions support your retirement goals.
- You are comparing an IRA, 401(k), SEP IRA, SIMPLE IRA, or another business retirement plan.
- A Roth conversion, required minimum distribution, or Social Security decision may affect taxable income.
- You need to coordinate employee benefits with the cost and administration of a business plan.
Practical support tied to the decision in front of you.
- A review of retirement goals, current accounts, contribution opportunities, and tax considerations
- Comparison of retirement-plan choices relevant to an individual or business
- Planning around contributions, conversions, distributions, and required minimum distributions
- Coordination with investment, payroll, and legal professionals when the decision crosses specialties
A clear process
Take inventory
We review account types, current savings, expected income, business considerations, and your retirement timeline.
Compare the choices
We discuss the practical and tax differences among the options relevant to your circumstances.
Set the next checkpoints
You leave with clear decisions, deadlines, and questions to revisit as retirement approaches.
Experience that connects tax rules with practical financial decisions.
- Former IRS experience when tax questions become difficult
- More than 40 years serving Houston-area clients
- Year-round perspective beyond filing a tax return
- Direct conversations with an experienced CPA
Frequently asked questions
Which retirement plan is best for a small business?
That depends on employee participation, desired contributions, administrative responsibilities, and cash flow. A side-by-side review is more useful than choosing from contribution limits alone.
When should Roth conversions be considered?
Conversions are often evaluated in years when current and expected future tax rates, cash available for tax, Medicare premiums, and estate goals can be considered together.
Can you calculate my required minimum distribution?
The site includes an educational RMD estimator. Account ownership, beneficiary rules, and plan details should be reviewed before acting on the result.