Advisors 360 is an independent, fiduciary firm based in Morgan Hill, at 355 Woodview Ave. Suite 300, offering tax management and income distribution planning built around how local income and wealth actually look.
RSU vesting and ISO exercises create real tax events for many Morgan Hill households, often larger and more frequent than a typical W-2 tax picture accounts for. Tax planning here isn't just about the retirement withdrawal sequence; it's about coordinating income and gains around equity compensation throughout a career, so a big vesting year or option exercise doesn't create an avoidable tax surprise.
Tax Planning Before and Through Retirement
For many people, the years after paychecks stop and before required distributions (and sometimes Social Security) begin are the lowest-income years they will have. That can create room to recognize income at lower tax rates, for example through partial Roth conversions or by realizing capital gains, before required distributions and benefits raise taxable income later. If you are leaving a career with equity compensation, those same years may also be when remaining company stock is sold, so we plan the two together.
The Retirement Tax Decisions We Help You Plan For
- Withdrawal order: We coordinate which accounts to draw from (taxable, tax-deferred, and Roth) and when, alongside your Social Security timing.
- Roth conversions: We model whether converting part of a traditional IRA to a Roth makes sense, how much to convert each year, and how each conversion affects your tax bracket and Medicare premiums.
- Required minimum distributions: We project your required withdrawals years in advance, so they do not arrive as a surprise or move more of your income into a higher bracket.
- Medicare premium surcharges (IRMAA): Higher income can raise what you pay for Medicare Part B and Part D. We plan income from year to year with those thresholds in view.
- Concentrated stock and large gains: When a single holding or the sale of an asset creates a large gain, we evaluate ways to spread, offset, or redirect the tax impact.
- Selling a business or real estate: Planning before the sale, with your CPA and attorney, keeps more options open.
- Losing a spouse: Planning while both spouses are living can make the transition easier for the survivor.
Each of these is explained in more detail in our retirement tax questions and answers.
We Work Alongside Your CPA
Our role is tax planning: looking ahead at how the decisions you make today affect future years. Your CPA or tax professional prepares your returns and provides tax advice, and we are glad to coordinate directly.
See our Morgan Hill location overview for more, or read what to expect as a new client.
