Services
See why tax challenged retirees searching for a retirement focused Financial Advisor in Bismarck, ND (and virtually across the all 50 states) choose Energized Retirement Planners. Having a CFP® professional and IRS Enrolled Agent in your corner combines the best of investment management, tax advice and estate planning.
Retirement Planning Services
Asset Allocation and Location
Long Term Care
Medicare & Social Security Strategies
Retirement Income Maximization
Advanced Retirement Tax Strategies
Roth Conversions
Income Tax Preparation
Legacy Estate Planning
How do you address complex tax issues like Medicare IRMAA Surcharges or the Net Investment Income Tax (NIIT)?
These issues represent major, yet often avoidable, tax traps for high-net-worth retirees. Our planning is designed to proactively eliminate them.
Both IRMAA (the surcharge on Medicare premiums) and the NIIT are triggered by crossing specific Modified Adjusted Gross Income (MAGI) thresholds. We don't guess at these limits; we use our Enrolled Agent (EA) expertise to model distribution scenarios years in advance. Our strategies involve precise timing of Roth Conversions, analyzing asset location, and managing portfolio income to keep your MAGI below those critical thresholds, legally saving you thousands of dollars in hidden surcharges and taxes.