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Tax Strategies for Advising Retirees: Social Security Planning, Roth Conversions, QCDs, SECURE Act, and SECURE 2.0

Recording of a 110-minute CPE webinar with Q&A

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Conducted on Tuesday, September 27, 2022

Recorded event now available

or call 1-800-926-7926

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 recent and impending legislation affecting these taxpayers.


There are numerous considerations for retiring taxpayers. These taxpayers are receiving, or approaching the eligible age to receive, Social Security benefits, Medicare, and required minimum distributions (RMDs). Changes due to the SECURE Act--including raising the age for RMDs from 70 and one-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 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 their insights and experiences on tax adviser techniques to minimize taxation of taxpayers approaching or in retirement.



  1. Tax strategies for retirees: an overview
  2. Recent legislation
  3. Required minimum distributions
  4. Roth conversions
  5. Medicare planning
  6. Charitable contributions and qualified charitable distributions
  7. Tax-efficient portfolio withdrawals
  8. Secure 2.0
  9. Other considerations


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 and QCDs to minimize tax
  • How impending legislation could affect retirees


Pon, Lawrence
Lawrence K.Y. Pon, CPA/PFS, CFP, EA, USTCP, AEP

Tax Attorney
Pon & Associates

Mr. Pon has been in practice since 1986 providing comprehensive tax and financial planning, tax preparation and...  |  Read More

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