Tax-Free Income Planning: Why It Matters
Fredericks Wealth Management is part of a national network focused on helping clients plan for rising taxes through the Power of Zero philosophy.
This approach aims to help individuals move toward tax-free retirement income through strategies designed around Roth conversions, asset repositioning, and long-term income coordination.
Midyear Guide to Tax Planning
Get ahead of year-end stress with our Midyear Tax Planning Guide. Stay proactive with key updates on tax law changes, retirement contributions, charitable giving, and estate planning—plus practical tips and checklists to help you make smarter decisions before year-end.
How Fredericks Helps with Tax-Free Income Planning
Personal, long-term planning with future tax exposure in mind.
Our tax-free income planning services help clients move from tax-deferred to tax-aware, step-by-step, with a focus on real conversations, not generic formulas.
- Roth Conversion Strategy: We assess your current IRA and 401(k) balances and help determine if strategic Roth conversions could reduce long-term tax obligations.
- Life Insurance Retirement Planning (LIRP): LIRPs may offer tax-free income, death benefits, and long-term care flexibility. We walk you through if and how this might fit into your plan.
- Income Distribution Planning: We help coordinate withdrawals across taxable, tax-deferred, and tax-free accounts to align with your lifestyle, bracket, and long-term priorities.
- The Power of Zero: We evaluate where you are on the path toward tax-free retirement using Power of Zero principles—then outline simple steps to move forward, one phase at a time.
