Retirement Planning That Actually Plans Ahead

Personalized tax strategies for people who don’t want to wing it with their future 

You’ve spent your career saving for retirement. Now comes the tricky part: turning those savings into income that lasts—without giving too much of it to the IRS. 

Personal Financial Services specializes in tax-smart strategies that help you make the most of your retirement accounts, minimize your Required Minimum Distributions (RMDs), and leave a legacy that isn’t weighed down by taxes. (And yes, we actually explain this stuff in plain English.)

Roth Conversion Plan

The core strategy: converting your pretax IRA to a Roth IRA over time to reduce future tax liability for you and your heirs. Starting at $3,000

What’s Included

  • Custom multi-year conversion plan based on your income, age, and financial goals

  • Tax strategy report built using your latest return and year-to-date numbers 

  • Coordination with your financial advisor 

  • Guidance on Social Security timing and RMD reduction 

  • Full plan review with you, your advisor, and the PFS team.

Add-Ons

Scenario Recalculation 

Big life changes? Big tax law changes? We can re-run your numbers. $TBD (based on scope) 

Small Plan Updates 

Minor income shifts or tweaks to your timeline? We’ll adjust your plan for $300.

Our Planning Process

  • Let’s connect.

    Submit your info and we’ll make sure you’re a fit for this service.

  • Share your paperwork.

    We’ll gather your latest tax return, income details, and any known changes. 

  • Get your plan.

    We build your custom conversion strategy and walk through it together with your financial advisor.

Apply Now

What Clients are Saying

“Elizabeth and her team are not only knowledgeable about estate and tax affairs - especially for the elderly- but they are also very thorough in every aspect.”

Susan Wagener

“The team are easy to work with - they give me clear guidance on what's needed. And Elizabeth gives guidance and things to think about for the following year. Professional and straightforward - an excellent service.”

Ciaran Byrne

About Personal Financial Services

We’re not your typical accounting firm—and that’s on purpose. Personal Financial Services is a woman-owned, community-rooted team of experts who care about your life as much as your numbers. Meet the team right here.

Have a Question?

  • Yes. This service is most effective when we collaborate with your advisor to align investment strategy and tax planning. 

  • Retirement distribution planning is best for those who are about to retire, or for those who have already retired but haven’t started drawing Social Security yet. Earlier planning gives us more flexibility to minimize taxes. 

    For most people, that window of opportunity is from age 59 ½ when you can start penalty-free withdrawals until age 73 or 75 when Required Minimum Distributions (RMDs) start.

  • Yes! If you haven’t started required withdrawals, there’s still time to optimize your distributions. 

  • Nope. We specialize in tax strategy and fiduciary services, but we do work closely with investment professionals. 

Ready to make retirement less…taxing?