Tax Planning

It’s said that only two things in life are certain: death…and taxes. While we can’t help you with the first, we can help you take control of the second. With the right strategies in place—ideally before retirement—you can reduce unnecessary tax burdens, keep more of your hard-earned money, and ensure it lasts as long as you do.

At AJM Financial Group, our tax planning philosophy isn’t about tax avoidance—it’s about smart, proactive planning. We help you structure your finances so you’re not paying more than you have to, now or in retirement, while ensuring your wealth is positioned to support the lifestyle you’ve worked hard to build.

Why Tax Planning Matters

Tax planning isn’t something that starts when you file your annual return—it’s an ongoing process that often begins years before you retire. We work with you to create a long-term strategy that looks at your entire financial picture, including:

 How We Help You

• When and how to draw retirement income – Timing matters for distributions, Social Security, and pensions to avoid unnecessary tax hits.
   
• Investment tax efficiency – Deciding whether to use pre-tax or after-tax dollars, and selecting accounts and investments designed to minimize taxable events.
   
• Income type planning – Understanding how dividends, interest, annuities, capital gains, inheritances, and benefits are taxed differently.
   
• Estate and legacy planning – Ensuring your heirs receive as much of your legacy as possible, without being burdened by avoidable tax liabilities.
   

The goal is simple: to keep more of your wealth in your hands—and in the hands of the people and causes you care about—throughout retirement and beyond.

Every dollar you save in taxes is a dollar you can use to enjoy your retirement. 

Let’s create a tax-smart strategy today so you can keep more of what you’ve earned—now and for years to come.

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