Smart Retirement Decisions: Timing, Taxes, and Benefit Optimization

Overview

This is a rebroadcast from AICPA ENGAGE 2026.

A holistic approach to the timing of retirement income and plan distributions can protect against longevity risk and minimize impact of income taxes. But what strategies you choose will be dependent on your clients’ retirement goals.

This session will focus on strategies for maximizing retirement income while minimizing impact on Medicare Income-Related Monthly Adjustment Amount (IRMAA) and income tax deductions.

Presenters will focus on the alignment of Social Security, Medicare, retirement plan distributions and conversions, and tax deductions into a unified retirement income strategy.

Real-world case studies will give you a better understanding of the effects of certain retirement income decisions.

Highlights

Retirement income planning

Medicare Income-Related Monthly Adjustment Amount (IRMAA)

Income tax deductions

Prerequisites

3-4 years in the profession

Designed For

Retirement planning advisers coordinating income sources

CPAs planning for taxes, IRMAA, and deductions

Financial planners evaluating distribution and conversion timing

Professionals using case studies to improve client outcomes

Objectives

Apply a holistic approach to the timing of retirement income and plan distributions to protect against longevity risk and minimize impact of income taxes.
Select strategies to plan for Medicare Income-Related Monthly Adjustment Amount (IRMAA) and deduction phase-outs.
Analyze case studies showing the effect of various retirement income decisions.

Notice

This course is offered by a 3rd party vendor and will not be accessible in the My CPE Tracker section of the ISCPA website. Course access information will be emailed directly to you by AICPA.