Pay less in taxes. Worry less about everything else.
Learn the 7 tax planning opportunities that are easy to overlook before retirement, and how to coordinate your investments, retirement accounts, and taxes into one strategy before those windows close.
✦ The low-tax window that's easy to miss. There's a stretch of years between your last big paycheck and required withdrawals (age 73 or 75, depending on your birth year). For many people it is the lowest-tax window of their lives, and it can close before anyone uses it.
✦ Why a great CPA isn't a tax plan. Filing looks backward. Planning looks ahead. Many tax moves have to happen before December 31, months before your CPA sees the return. This guide shows you which ones.
✦ The three buckets that determine your retirement tax bill. Two people with identical net worth can face completely different tax bills in retirement. The difference is where the money lives.
What lands in your inbox every Wednesday
One short email each week that picks up where the playbook leaves off.
Keep more of what you earn
One tax or retirement move at a time, in plain English, with who it's for and when the window opens and closes.
Clarity instead of worry
Short videos that explain what actually matters for your situation, the way I'd explain it across the table. A lot of money worry comes from questions nobody has answered yet.
Your money, finally coordinated
How taxes, investments, equity comp, and Social Security fit together into one picture, because a good decision in one account can cost you in another.
Made for diligent savers whose financial lives have become more complex than anyone realizes.
✦ You want to make the right financial decisions so you can retire comfortably, and you'd rather have a real strategy than cross your fingers.
✦ Your financial life has grown into pieces, like a 401(k), equity comp, a brokerage account, and maybe deferred comp. Each one is fine on its own, but nobody is looking at how they work together.
✦ The bills are covered. What you want to know is whether your savings are set up well for retirement and for taxes.
Hi, I'm Hazel.
I'm Hazel Secco, CFP®, CDFA®, founder of Align Financial Solutions, a fee-only wealth management firm for individuals and couples with complex financial lives.
I work with individuals and couples whose finances have grown more complex than one person can easily keep track of, with equity compensation, multiple accounts, and a tax picture that no longer fits on one page. I wrote this playbook to help you recognize the tax planning opportunities that often go unnoticed before retirement.
As featured in
The tax savings you miss this year don't come back next April.
It takes about 15 minutes to read. Get the free playbook and see which of the 7 moves apply to you.
