Features
What’s Inside the Guide:
Six strategies to help reduce your tax bill in retirement and keep more of your income working for you.
Know Your Tax Brackets in Retirement
Understand how different income sources push you into higher brackets—and how to stay in lower ones.
Optimize Your Withdrawal Strategy
Learn the tax-smart order to tap your accounts so you don't trigger unnecessary taxes on Social Security or Medicare premiums.
Convert to Roth Strategically
Discover when Roth conversions save you money—and when they cost you more than you gain.
Minimize Taxes on Social Security
Find out how provisional income thresholds work and how to structure withdrawals to keep more of your benefits tax-free.
Plan for Required Minimum Distributions
Understand how RMDs can spike your tax bill and strategies to reduce their impact before they start.
Use Tax-Loss Harvesting and Charitable Strategies
Explore advanced moves like QCDs and donor-advised funds to lower your taxable income while supporting causes you care about.
Personalized Planning, Built Around You
EP Wealth Advisors is a fee-only fiduciary firm headquartered in Torrance, California, with more than 50 offices nationwide. For over 25 years, we’ve served high-net-worth individuals, families, and business owners with tailored strategies across retirement, tax, and estate planning.
As recognized by Barron’s Top RIAs, our team oversees more than $44.1 billion (as of 3/31/26) billion in assets. When you connect with EP Wealth, you’re paired with an advisor selected to align with your specific goals, priorities, and financial complexity.
Get Your Free Guide Today!
Explore key considerations around retirement income, tax efficiency, and long-term wealth planning in one concise guide designed for high-net-worth investors.
Request an appointment with an EP Wealth Advisor when you have a minimum of $500,000 in investable assets – which includes qualified retirement plans (IRA, Roth IRA, 401(k), taxable brokerage, cash (savings / checking) and CDs. Investable assets do not include your home, vehicles, or collectibles.
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EP Wealth Advisors (“EPWA”) makes no representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information presented in this report. EPWA has used its best efforts to verify data included in this report. The information presented was obtained from sources deemed to be reliable. However, EPWA cannot guarantee the accuracy or completeness of the information offered. All expressions of opinion are subject to change without notice. Information presented is general in nature and should not be viewed as a comprehensive analysis of the topics discussed. It is intended to serve as a tool containing general information that should assist you in the development of subsequent discussions with the appropriate professionals. Content does not involve the rendering of personalized investment advice nor is it intended to supplement professional individualized advice. Always consult a tax and legal professional prior to implementing any of the strategies referenced here. Hiring or working with an investment advisor or financial planner and/or establishing a financial plan do not guarantee investment success, and do not ensure that a client or prospective client will experience a higher level of performance or results. All investment and financial planning strategies are subject to profit or loss. The risk of investment loss can never be eliminated.