We don’t just prepare tax returns — we prepare retirees for the tax years that matter most.
Retirement isn’t the end of your tax story — it’s the start of a new chapter.
Most tax preparers look backward. We look forward.
At Pinnacle Tax Associates, we run lifetime projections, identify future tax traps, and design strategies that keep more of your savings in your hands — not the IRS’s.
Who We Serve
Have at least $500,000 in retirement accounts
Are retired or planning to retire soon
Want to reduce lifetime taxes — not just this year’s
Value clear, data-driven advice that makes sense
We serve clients locally in the Lehigh Valley, PA, and virtually across the U.S.
Our Approach
We blend decades of financial and tax expertise to simplify what others complicate.
Our process is hands-on, transparent, and built around your goals — not just tax code.
Every projection considers key variables like:
Income timing: When to draw from which account.
Roth conversion strategy: How much and when.
Medicare impact: Keeping IRMAA brackets under control.
Estate tax efficiency: Maximizing what your heirs keep.
We don’t talk in acronyms or jargon — just clear, plain-English recommendations that make sense.
Meet the Partners
Dan Fratantoro, CPA, CFP®
Managing Partner, Co-Founder
Dan brings over two decades of experience and a deep knowledge of complex tax scenarios to Pinnacle Tax Associates.
Before co-founding Pinnacle, he led engagements for high-net-worth families and closely-held businesses, giving him a practical understanding of how taxes, investments, and cash-flow decisions intersect in retirement.
Clients appreciate Dan's steady, detail-driven approach — and his ability to turn complicated tax projections into simple, actionable decisions.
When he’s not in the office, you’ll usually find him in a hockey rink, spending time with his family, or out exploring.
Jake Ruggles, EA, CFP®
Co-Founder
Jake brings a thoughtful, analytical approach to every client relationship — combining real-world experience with a passion for helping retirees make confident, tax-smart decisions.
Before co-founding Pinnacle Tax Associates, he advised individuals and families on comprehensive financial strategies, specializing in retirement distribution planning and long-term tax reduction.
Clients value Jake’s calm, personable style and his ability to make complex financial topics feel approachable and clear.
When he’s not working with clients, you’ll likely find him on the golf course or spending time with his family down the shore in Long Beach Island.
Our Philosophy
Taxes in retirement aren’t static — they change with every withdrawal, every market year, and every life event.
The sooner you start planning, the more control you have.
That’s why we created Pinnacle Tax Associates: to give retirees a proactive plan, not just a tax return.
Helping retirees minimize lifetime taxes.
© 2025 Pinnacle Tax Associates, LLC. All rights reserved.