Taxes & Tax Planning Archives - Retirement Capital Planners

What Retirees Should Know About Their Income Tax

What Retirees Should Know About Their Income Tax

Retirement is a new phase of life, and so is your tax situation. Knowing what counts as income and how it’s taxed can make a big difference in how long your money lasts. Below are some of [...]

Becca Mack2025-09-02T15:26:43+00:00September 2nd, 2025|Blog, Taxes & Tax Planning|

How Estate Planning May Help Reduce Future Tax Burdens for Loved Ones

How Estate Planning May Help Reduce Future Tax Burdens for Loved Ones

There’s a well-known saying: “Nothing is certain except death and taxes.” But what’s often left out is how closely those two concepts can intersect—especially when it comes to your legacy. Many people spend a lifetime building wealth [...]

Becca Mack2025-08-11T16:16:13+00:00August 11th, 2025|Blog, Estate Planning, Taxes & Tax Planning|

Understanding the Tax Treatment of Life Insurance in Retirement

Understanding the Tax Treatment of Life Insurance in Retirement

When people think about retirement planning, they often focus on IRAs, 401(k)s, and investment portfolios. But for many retirees, life insurance can play a strategic role, especially when it comes to navigating taxes. Whether you're considering a [...]

Becca Mack2025-07-07T15:14:43+00:00June 30th, 2025|Blog, Financial Planning, Insurance, Taxes & Tax Planning|

OUR E-NEWSLETTER

OUR LOCATION

175 W Gay Ave Suite 11,
York, PA 17401

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

We don’t share or sell your personal information with any third party except to comply with the law, develop our products, or protect our rights.

Registration with the SEC or state does not constitute an endorsement of the firm by regulators, nor does it indicate that the adviser has attained a particular level of skill or ability. This content is for informational purposes only and does not intend to make an offer or solicitation for sale or purchase of any securities. Investing involves risk, including the potential loss of principal. No investment strategy, such as asset allocation or diversification, can guarantee a profit or protect against loss in periods of declining values. All investment strategies involve risk and have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially affect the performance of your portfolio. There are no assurances that a portfolio will match or outperform any particular benchmark.

Investment advisory and financial planning services offered through Retirement Capital Planners, LLC, a Registered Investment Advisor.

03 Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

Schedule Your Complimentary Review

02 Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

Our Services, Your Future

We take the time to thoroughly explore your needs no matter the stage of life you are in to help provide a custom tailored solution that we continue to monitor and adjust until the end of time.

Wealth Management

Maximize the growth potential of your investable assets in accordance with your risk tolerance and financial goals.

Retirement Savings Optimization

Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

Long-Term Care Planning

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Tax Planning

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

Tax-Free Retirement Income Planning

Support your retirement income plan with accumulation and tax-free distribution strategies in retirement.

Social Security Optimization

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

Income Planning

Design an income plan that delivers dependable income and financial security throughout your retirement.

College Funding

Make the investment in your child or grandchild’s future with the gift of a college education through life insurance.

Inflation Protection

Develop strategies to protect assets against the effects of inflation.

Liquidity Needs Planning

Ensure access to assets to meet life’s unexpected needs.

01 Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

Longevity

Outliving financial assets as the result of a longer life.

Liquidity

Limited access to assets to meet life’s unexpected financial needs.

Inflation

Reduction in real purchasing power as the result of increasing cost of living.

Market

Unexpected reduction in the value of financial assets at the time of withdrawal.

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death.

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.