Smart decisions today, Lasting value tomorrow.

We help retired families pay less income taxes. Tested strategies explained in everyday terms.

Tax Planning for Retirees

Recent changes in the tax code have put the IRS at a major advantage. However, most retirees don't know (or understand) these changes.

We stay up-to-date with the latest tax laws and regulations, identifying opportunities and implementing strategies that work specifically for retirees like you.

Our approach is centered around understanding your unique financial goals and aspirations. We take the time to listen, answer your questions, and develop a customized tax plan tailored to your individual circumstances. By analyzing your income, investments, and potential deductions, we help you optimize your tax situation, allowing you to keep more of your hard-earned money.

How much should I take out of my Traditional IRA?

Should I consider a Roth Conversion?

How will this affect my Social Security?

We help you find the answers and navigate the hidden tax traps.

Free OnDemand Webinar

Schedule a Call

Tax Preparation

Our tax preparation services include preparing and filing your Federal and State tax return. We'll also prepare estimated tax payments, if necessary.

Tax preparation is done on a 'Flat Fee'....which means you won't get a separate bill if you have a question. That's all year, so ask away.

Schedule a Call

About Us

Dan Fratantoro, CPA, CFP®

Dan is a co-founder of Pinnacle Tax Associates. He has been in the financial services industry since 2006. Dan is a Certified Public Accountant and a CERTIFIED FINANCIAL PLANNER™ certificant. Dan is a graduate of DeSales University with a B.S. in Accounting.

Jacob Ruggles, EA, CFP®

Jacob is co-founder of Pinnacle Tax Associates. He has been in the financial services industry since 2001. Jake is an Enrolled Agent and a CERTIFIED FINANCIAL PLANNER™ certificant, Jake graduated from Lafayette College with a BA degree in Mathematics/Economics and Business.

Schedule a Call

Our Blogs

The Importance of a Retirement Tax Advisor in Navigating Roth Conversions

Roth conversions involve moving money from a traditional retirement account, like a 401(k) or a traditional IRA, into a Roth IRA. This shift can create tax advantages and strategic planning flexibilit... ...more

Roth Conversions

February 29, 2024•5 min read

Frequently Asked Questions

I'm don't live near the Lehigh Valley, PA. Can we still work together?

We’re built to serve you virtually through Zoom and/or Microsoft Teams. However, if you’re in the Lehigh Valley, PA area you can meet at our office, a coffee shop or even at your kitchen table.

Why would anyone consider a Roth Conversion and pay more taxes this year?

Everyone's situation is different. For some, a Roth Conversion would not be an effective planning tool.

For others, it's possible that they (or their beneficiaries) will be in a higher tax bracket in the future. A partial Roth Conversion from a Traditional IRA can 'lock in' that lower tax liability by electing to the the tax this year!

What are some of the Hidden Tax Traps, and why are they important?

There are several, but the most common are (1) the taxability of Social Security Benefits and (2) increased Medicare Premiums.

Roth Conversions increases taxable income. This increase could subject you to additional taxes/premiums, so we must consider these when putting together a multi-year, comprehensive tax plan.

Is there any cost or obligation when booking an appointment?

Not at all. There is no cost or obligation when booking an appointment to speak with Dan or Jake.

In an initial conversation, we generally talk about your current situation and goals. We'll also give you an overview of our tax planning process. From there, the choice is yours if you want our help or not!