Tax-Aware Strategies

Keep More of What You’ve Earned—Without Guessing

Taxes are one of the biggest expenses you’ll face in retirement—and one of the most overlooked. At Palmerini Wealth Sciences, we believe tax planning shouldn’t be an afterthought. It should be part of your overall strategy from the start.Taxes are one of the biggest expenses you’ll face in retirement—and one of the most overlooked. At Palmerini Wealth Sciences, we believe tax planning shouldn’t be an afterthought. It should be part of your overall strategy from the start.Taxes are one of the biggest expenses you’ll face in retirement—and one of the most overlooked. At Palmerini Wealth Sciences, we believe tax planning shouldn’t be an afterthought. It should be part of your overall strategy from the start.

Our tax-aware approach is about finding efficient, research-backed ways to help you reduce tax liability over time, without cutting corners or taking unnecessary risks.

Your Strategy, Your Savings

We help you answer tax-related questions like:

  • How do I reduce taxes on my retirement income?
  • When should I convert to a Roth IRA—or avoid it?
  • Should I draw from taxable, tax-deferred, or Roth accounts first?
  • How do taxes affect my Social Security benefits?
  • Can I lower taxes on Required Minimum Distributions (RMDs)?
  • What’s the smartest way to leave money to heirs?

What We
Focus On

  • Income & Withdrawal Strategy
    Crafting a sustainable plan for how and when to draw from your accounts.

  • Roth Conversion Analysis
     Helping you evaluate when and how to convert based on your income and future tax outlook.

  • Capital Gains Strategy
     Minimizing taxes when rebalancing investments or accessing funds.

  • Charitable Giving Tactics
     Using strategies like Qualified Charitable Distributions (QCDs) to align generosity with tax benefits.

  • Medicare & IRMAA Planning
     Avoiding unexpected premium increases tied to income thresholds.

  • Legacy and Estate Tax Review
     Collaborating with your attorney or CPA to make sure your legacy passes efficiently to loved ones.

Integrated, Not Isolated

We don’t treat taxes as a one-time issue. Every financial decision—from retirement income to investments to healthcare—is made with tax consequences in mind.

This isn’t about “beating the system.” It’s about playing smart within the rules—so your money works better for you over time.

Questions About
Tax Strategy?

Whether you’re working, nearing retirement, or already retired, tax-aware planning matters.

Send us your questions or book a time to talk—your future self may thank you.