Turn Your Retirement Savings Into Lifelong Income & Lower Taxes

We help pre-retirees create a tax-efficient retirement plan, optimize income, and invest with confidence.

Plan Your Retirement Strategy

David and his team gave us all the time we needed and made everything clear. The future feels much more friendly to us now that we have a plan we worked out with Talley Financial. – Ed Davis  ⭐⭐⭐⭐⭐

💡 Retirement Isn’t Just About Having Enough Money— It’s About Keeping It.

Most pre-retirees assume that once they’ve built their savings, they’re set. But the truth is:


  • The IRS still wants their cut. Without a tax-smart withdrawal plan, you could lose hundreds of thousands to taxes.
  • Markets don’t care when you retire. The wrong investment mix could leave you short when you need it most.
  • Social Security isn’t a one-size-fits-all decision. Get this wrong, and you leave money on the table forever.

What Smart Retirement Planning Looks Like

Lower Taxes, Higher Income

A tax-efficient withdrawal strategy keeps more money in your pocket.

Smart Roth Conversions

Move money before RMDs force you into higher tax brackets.

Investment Strategy That Fits Retirement

Enough growth to keep up with inflation, enough protection to avoid costly mistakes.

The Right Social Security & Medicare Decisions

Timing matters more than you think—we get it right the first time.

Ready to Retire With Confidence? Let’s Build Your Plan Together.

Retirement is too important to leave to guesswork. Our strategic planning helps you reduce taxes, invest wisely, and create income that lasts.

Schedule Your Strategy Session

How One Retiree Cut Their Lifetime Tax Bill by $250K

The Challenge

John & Lisa had spent decades building their retirement savings, but most of it was in pre-tax accounts. As they approached retirement, they realized they’d be hit with massive Required Minimum Distributions (RMDs), pushing them into a higher tax bracket. They needed a plan to reduce their lifetime tax bill while ensuring they had enough income to last.

What We Did

✔ Roth Conversion Strategy – We mapped out a multi-year Roth conversion plan to shift money from taxable to tax-free accounts before RMDs kicked in.


✔ Tax-Loss Harvesting – We strategically offset capital gains with tax-loss harvesting to reduce taxable investment income.


✔ Investment Risk Balancing – We adjusted their portfolio so they had the right balance of growth and protection, preventing costly mistakes while ensuring their money kept up with inflation

The Result

By restructuring their tax strategy, John & Lisa will save over $250,000 in taxes over their lifetime. They now have:
✅ More control over their retirement income without unnecessary tax burdens.
✅ Reduced Medicare IRMAA surcharges by keeping taxable income lower.
✅ A tax-free source of income from their Roth conversions that gives them financial flexibility.

What Clients Are Saying About Their Retirement Plans

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“David has provided timely advice, answered my multiple questions with patience and knowledge, and structured a well-built retirement plan to meet my family's needs. Thank you for your personal focus.”

Mark Sewell

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“I have been working with David and his team for several years now and am extremely pleased with the service I receive from them. David keeps me in the loop and has developed a solid plan that I am very comfortable with.”

Jim Edmondson

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“David Talley is an exceptional financial advisor who truly goes above and beyond. He took the time to understand my goals and concerns and built a plan tailored specifically to my needs. Highly recommend!”

Juan Diaz

Retirement Questions That Could Save You Six Figures

Making smart financial decisions now can mean the difference between a stress-free retirement and running out of money too soon. Here’s what you need to know.

  • How do I lower my tax bill in retirement?

    One of the most effective strategies to reduce your retirement tax burden is Roth conversions. By converting portions of your traditional IRA into a Roth IRA in low-income years, you can lock in lower tax rates before Required Minimum Distributions (RMDs) force you into higher brackets. Additionally, strategies like Qualified Charitable Distributions (QCDs) and tax-efficient withdrawal sequencing can help minimize what you owe.

  • What’s the best way to invest after I stop working?

    A balanced investment strategy that incorporates both growth and downside protection is crucial. Many retirees make the mistake of becoming too conservative too soon, which can cause their assets to lose purchasing power due to inflation. The right mix of stocks, bonds, and alternative investments tailored to your risk tolerance and withdrawal needs can ensure long-term sustainability.

  • Should I take Social Security early or wait?

    The optimal Social Security claiming strategy depends on factors like life expectancy, marital status, and other income sources. Delaying benefits beyond full retirement age (up to 70) can result in an 8% increase in annual benefits per year, which can be a game-changer for those expecting a long retirement. However, for those needing income earlier or with health concerns, claiming sooner may be preferable.

  • What are the biggest tax mistakes retirees make?

    Many retirees underestimate their future tax liabilities. Common mistakes include not considering RMDs in advance, ignoring Roth conversion opportunities, failing to diversify tax treatments (pre-tax, Roth, taxable accounts), and not accounting for Medicare surcharges (IRMAA fees). A proactive tax plan can save retirees tens or even hundreds of thousands over their lifetime.

  • How do I protect my portfolio from market downturns in retirement?

    Sequence of returns risk is one of the biggest threats to retirees. A market downturn early in retirement can have long-lasting consequences if you are withdrawing from investments at the wrong time. A well-structured withdrawal strategy, incorporating a cash buffer or “bucket” system, can help ensure you aren’t forced to sell assets at a loss. Proper asset allocation and periodic rebalancing also provide downside protection while keeping your money growing.



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