Retirement and Tax Planning for New Canaan Pre-Retirees and Retirees
The years before and after retirement bring decisions about Social Security timing, Roth conversions, required distributions, and Medicare premiums that affect each other. Our CFP® professionals, CPAs, and Enrolled Agents plan those decisions together for New Canaan households.
CFP® professionals, CPAs, and Enrolled Agents under one roof.
What Changes When Everything Works Together
Some advisory firms focus on one service and refer the rest to others. At United Financial Planning Group, your investment decisions, retirement timeline, and tax planning are considered together, because the same team handles all three.
CFP® professionals, CPAs, and Enrolled Agents work side by side, not across town. Hover over a service to see how it connects to your complete financial picture.
Planning the Years Around Retirement
Retirement planning is a series of linked choices. The sequence you choose can change your tax picture, and each option carries trade-offs. Results depend on individual circumstances.
Tax-aware withdrawal planning
The order in which you draw from taxable, tax-deferred, and Roth accounts can affect your tax bracket across several years. We model the options before you act.
Roth conversion analysis
A Roth conversion adds taxable income in the year it is done and may lower taxable distributions later. Whether it makes sense depends on your brackets, your timing, and your other income. It is not right for everyone.
Social Security and Medicare coordination
Claiming age, spousal benefits, and income-based Medicare premium adjustments are connected. We look at them together instead of one at a time.
A CFP® and CPA on the same plan
The team that plans your retirement income can also prepare your returns, so projections and actual filings are consistent. We are a fee-only fiduciary.
The Five to Ten Years Before Retirement
For many households, the years just before retirement offer room to adjust: income may still be high, but the shape of the next phase is coming into view. Reviewing your account mix, expected income sources, and tax brackets during this window can help you weigh your options with more information.
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entire financial life
Financial Planning
A comprehensive roadmap for your financial future, built around your actual life by CFP® professionals and CPAs working together.
Learn moreHypothetical illustration only. Not actual client results. Past performance does not guarantee future results. Investing involves risk, including possible loss of principal.
Investment Management
Tax-aware portfolio management that considers how every trade, every rebalance, and every distribution flows through to your tax return.
Learn moreHypothetical illustration only. Dollar figures do not represent actual client results. Individual outcomes vary based on circumstances.
Tax Planning & Preparation
Proactive, year-round tax planning and preparation from CPAs and Enrolled Agents who already know your financial story.
Learn moreWhat Our Clients Say
More Connecticut Planning Pages
Explore planning pages for other Fairfield County towns, or read the two-state tax overview.
Let's Start With a Conversation
Let's Start With a Conversation. No sales pitch. No obligation.
Ready to Stop Coordinating Between Advisors?
Schedule a no-pressure conversation. We'll listen to what's going on in your financial life and help you decide if working together makes sense.