Free Taxes in Retirement Seminar — Online

In retirement, you may pay federal and state income taxes on withdrawals from tax-deferred accounts like traditional IRAs and 401(k)s, taxes on up to 85% of your Social Security benefits depending on your combined income, capital gains taxes on the sale of investments or real estate, and property taxes. Required Minimum Distributions (RMDs) starting at age 73 can also trigger additional tax liability. Strategic planning across taxable, tax-deferred, and tax-free accounts can help minimize your overall burden.

The amount you're taxed depends on your total income, the sources of that income, and your filing status. Withdrawals from traditional IRAs and 401(k)s are taxed as ordinary income at your marginal tax rate. Social Security may be partially taxable if your combined income exceeds certain thresholds. Long-term capital gains and qualified dividends often receive preferential tax treatment. A coordinated withdrawal strategy—drawing from the right accounts at the right time—can significantly reduce your lifetime tax liability.

Yes, especially if you have multiple income sources or account types. A tax advisor or financial planner who specializes in retirement can help you navigate RMDs, optimize Social Security timing, execute Roth conversions, and coordinate withdrawals to stay in lower tax brackets. Proactive tax planning often saves retirees tens of thousands of dollars over time, protects against costly mistakes, and ensures you're taking full advantage of available deductions and credits under current IRS rules.

A Roth conversion involves moving money from a traditional IRA or 401(k) into a Roth IRA. You'll pay income tax on the converted amount now, but future withdrawals—including growth—are tax-free. Conversions make sense if you expect to be in a higher tax bracket later, want to reduce future RMDs, or plan to leave tax-free assets to heirs. Timing is critical, and conversions should be modeled carefully to avoid pushing yourself into a higher bracket unnecessarily.

To minimize taxes on Social Security, manage your provisional income—the sum of your adjusted gross income, tax-exempt interest, and half of your Social Security benefits. Strategies include delaying Social Security to allow other income sources to decline, drawing from Roth accounts for tax-free income, strategically timing capital gains, and coordinating withdrawals from taxable and tax-deferred accounts. Proper planning can keep you below the thresholds where benefits become taxable.

Yes. The seminar is completely complimentary with no cost to attend. It's educational in nature, designed to teach foundational retirement tax strategies. There is no sales pitch, no obligation to work with Sentinel Asset Management, and no hidden fees. Attendance does not create an advisory or fiduciary relationship. We simply believe that informed retirees make better financial decisions, and we're committed to providing that education.

You'll learn how retirement income is taxed, how to coordinate withdrawals across taxable, tax-deferred, and tax-free accounts, strategies for reducing lifetime tax liability, the impact of RMDs and Social Security taxation, and the role of Roth conversions and tax-loss harvesting. The course is designed to give you a clear understanding of the tax landscape in retirement and equip you with actionable strategies to protect your income and legacy.

Yes. The online format allows anyone to attend from anywhere in the U.S. While Sentinel Asset Management has physical offices in Connecticut, Maryland, and other states, and serves clients across nine states, the seminar is open to anyone interested in learning about retirement tax strategies. If you decide to pursue advisory services later, we can discuss whether we're able to serve clients in your state based on regulatory requirements.