At Ludlow & Harrison, we help you retire not just with confidence—but with a smart, tax-efficient strategy that keeps more of your money where it belongs: in your pocket.
Whether you're a few years away from retirement or already enjoying it, our Retirement Tax Planning services are designed to reduce your lifetime tax burden and help your savings last.
Lower taxes in retirement = more money for you and your loved ones
Avoid unnecessary penalties and costly RMD surprises
Optimize your Social Security and Medicare benefits
Build a legacy with tax-smart estate and gifting strategies
Peace of mind knowing your financial future is secure
Ideally, 5–10 years before retiring, but it’s never too late. The earlier you start, the more opportunities you have to reduce future taxes.
It’s the process of moving money from a traditional IRA to a Roth IRA—paying taxes now to avoid higher taxes later. We help you determine if, when, and how much to convert strategically.
Yes. We build a withdrawal strategy across your various accounts to minimize taxes and avoid costly mistakes, like triggering higher Medicare premiums or tax brackets.
Not at all. Whether you’ve saved $100K or $10M, smart tax planning makes a difference. We work with retirees of all income levels to help their money go further.
