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Tax Strategies for Advising Retirees After OBBBA and SECURE 2.0

Social Security Planning, Roth Conversions, Charitable Contributions, QCDs

Note: CLE credit is not offered on this program

A live 110-minute CPE webinar with interactive Q&A

This program is included with the Strafford CPE Pass. Click for more information.
This program is included with the Strafford CPE+ Pass. Click for more information.
This program is included with the Strafford All-Access Pass. Click for more information.

Tuesday, October 28, 2025

1:00pm-2:50pm EDT, 10:00am-11:50am PDT

Early Registration Discount Deadline, Friday, October 3, 2025

or call 1-800-926-7926
Add to your calendar

This course will guide tax advisers through tax-saving strategies for taxpayers approaching retirement age or who have already retired. The panelist will identify opportunities to minimize tax and maximize assets, as well as address the impact of the One Big Beautiful Bill Act (OBBBA) on planning for senior taxpayers.

Description

There are numerous considerations for retiring taxpayers. These taxpayers are approaching or have reached the eligible age to receive Social Security benefits, Medicare, and required minimum distributions (RMDs). Recent legislation has significantly affected tax planning for retirees. The OBBBA added a $6,000 deduction for taxpayers who are age 65 or older. The deduction is phased out for taxpayers with modified adjusted gross income over $75,000 ($150,000 MFJ).

Changes under the SECURE Act—including raising the age for RMDs from 70 and a half to 72, eliminating stretch IRAs, and removing the age requirement for IRA contributions—complicate tax issues for these clients.

There are steps that tax advisers can use with retirees to reduce taxation of their lifetime earnings. Coordinating and planning future cash flow from pensions, Social Security, and other personal assets can amount to substantial tax savings. Roth conversions, making qualified charitable distributions (QCDs), and considering spousal and ex-spousal Social Security benefits when appropriate can minimize future tax consequences.

Listen as Lawrence K.Y. Pon, CPA/PFS, CFP, EA, USTCP, AEP of Pon & Associates, provides his insights and experiences on tax adviser techniques to minimize taxation of taxpayers approaching or in retirement.

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Outline

  1. Tax strategies for retirees: an overview
  2. Recent legislation
    1. OBBBA
    2. Secure 2.0
  3. RMDs
  4. Roth conversions
  5. Medicare planning
  6. Charitable contributions
    1. OBBBA changes
    2. QCDs
  7. Tax-efficient portfolio withdrawals
  8. Recent IRS guidance and court cases

Benefits

The panelist will review these and other critical issues:

  • Planning strategies for Social Security benefits
  • Modified adjusted gross income limits for Medicare
  • Changes made to RMDs by the SECURE Act
  • When and how to initiate Roth conversions
  • Making charitable contributions after the OBBBA
  • How QCDs can minimize tax

Faculty

Pon, Larry
Larry Pon
CPA/PFS, CFP, EA, USTCP, AEP
Pon & Associates

Mr. Pon has been in practice since 1986 providing comprehensive accounting, tax, payroll, and business advisory...  |  Read More

Attend on October 28

Early Discount (through 10/03/25)

CPE credit processing is available for an additional fee of $39.
CPE processing must be ordered prior to the event. See NASBA details.

Cannot Attend October 28?

Early Discount (through 10/03/25)

CPE credit is not available on downloads.

CPE On-Demand

See NASBA details.

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