For retirement savers, retirees & beneficiaries
Retirement tax services for the years ahead
We help you plan contributions, withdrawals, and Roth conversions, meet required distribution deadlines, and understand the tax impact of your retirement income.
We will contact you to arrange a call about your situation, service scope, and pricing. Specific tax advice and ongoing planning are provided under an engagement.
Enrolled Agents. Personal guidance.
In Orange County and across all 50 states.
- IRA & workplace plan guidance
- RMDs & inherited accounts
- Retirement tax projections
Retirement tax services & planning
From building savings to drawing retirement income.
Mraz Tax Solutions LLC provides retirement tax preparation and planning for individuals, couples, self-employed savers, and inherited-account beneficiaries. We help you understand IRA and 401(k) rules, tax-deductible contributions, retirement distributions, and the impact on your federal and state returns.
Our Enrolled Agents bring over 15 years of tax industry experience to retirement projections, Roth conversions, and complex income questions. We serve clients in Orange County and nationwide, with IRS representation available when needed.
Retirement Account Tax Review
Traditional and Roth IRAs, 401(k)s, SEP IRAs, and SIMPLE IRAs have different contribution and distribution rules. We explain how each account fits your tax situation, including workplace plan coverage, self-employment income, and the records needed to track amounts already taxed.
Deductible Contributions & Limits
We review compensation, filing status, income, and workplace retirement coverage to calculate eligible contributions and traditional IRA deductions. Contribution eligibility and deductibility are different questions. We also identify excess contributions and explain available correction options before additional taxes build up.
Distributions & Rollovers
We review Forms 1099-R, taxable withdrawals, tax withholding, and eligible rollovers. Early distributions can trigger an additional 10% tax unless an exception applies. Qualified Roth distributions have age and holding-period requirements, and a rollover needs to meet the rules for the accounts involved.
Required Minimum Distributions
RMD starting ages depend on birth year and account type; many current retirees begin at age 73. We calculate required amounts and confirm deadlines. A missed RMD can trigger a 25% excise tax, reduced to 10% for qualifying timely corrections. Roth owners generally have no lifetime RMDs.
Inherited Retirement Accounts
Many non-spouse designated beneficiaries must empty an inherited account by the end of the tenth year after the owner’s death. Annual distributions may also be required during that period. We review beneficiary status, the owner’s required beginning date, and spousal or other exceptions before determining your schedule.
Roth IRA Conversions
A Roth conversion may create taxable income now in exchange for potential tax-free qualified withdrawals later. We project the taxable amount, review nondeductible IRA basis and pro-rata rules, and consider income brackets, Medicare premiums, and available cash to pay the conversion tax.
Part of our complete individual tax preparation and planning services, tailored to your full financial picture.
Year-round retirement tax planning
Make each retirement decision with a tax plan.
Professional retirement tax planning connects today’s contributions and withdrawals with future income. We build projections around your accounts, household income, and the timing of important life changes.
-
Check Catch-Up Contributions
For 2026, eligible savers age 50 or older can add $1,100 to the IRA limit. The general catch-up for most 401(k) plans is $8,000; eligible participants ages 60 through 63 may instead qualify for an $11,250 catch-up. Some high-wage employees must make 2026 catch-up contributions on a Roth basis when the plan offers a Roth feature and the applicable prior-year wage threshold is met. We assess your wages, plan provisions, age, and the tax treatment of the contributions.
-
Use the Right Deadline for Each Account
IRA contributions generally can be made through the following year’s tax filing deadline, without extensions. Workplace salary deferrals follow payroll and plan deadlines, while some employer contributions may be allowed through an extended return deadline. RMDs and Roth conversions follow different timing rules, so one deadline does not fit every transaction.
-
Coordinate Withdrawals with Other Income
We model how pensions, Social Security, investment income, and retirement withdrawals affect your tax brackets and possible Medicare income-related surcharges. We also review withholding, estimated payments, and eligible qualified charitable distributions. Taking two RMDs in one year after delaying your first can increase taxable income.
Prepare for your tax review
Bring your full retirement picture.
Account statements alone may not show how much of a withdrawal is taxable or when an inherited account must be distributed. Prior returns, beneficiary records, and contribution history help us review your situation accurately.
Our Enrolled Agents can connect these details with your federal and state income tax returns.
What to gather for your return
- Forms 1099-R, SSA-1099, and 5498
- Year-end retirement account balances
- Prior returns and Forms 8606 for IRA basis
- Contribution and rollover confirmations
- Beneficiary details and inherited-account records
- Pension, wage, and investment income estimates
Frequently Asked Questions
Key details about working with our Enrolled Agents and getting your tax returns prepared, reviewed, and filed.
Do you offer free initial consultations?
The free initial consultation covers your situation, the scope of services, and pricing. Specific tax advice and ongoing planning are provided under the terms of an engagement. Request a free initial consultation; we will contact you to arrange a call. Office visits are by appointment.
Are you licensed by the IRS?
Our Enrolled Agents are federally authorized to represent taxpayers before the IRS with unlimited practice rights. We provide tax preparation, advice, and IRS representation under the terms of an engagement. State-agency representation is subject to applicable state rules.
Can you prepare a tax return for my small business?
Yes. Mraz Tax Solutions LLC prepares business returns and provides planning under engagement terms. Quarterly planning meetings are available for a separate fee and are not included with tax return preparation.
Can my tax return preparer review my self-prepared returns?
Yes. We review federal and state returns, whether self-prepared or prepared by others, and advise on missed deductions, audit risks, and corrected or amended returns.
Individual Tax Services
Explore More Individual Tax Services
Income Tax Returns
Accurate federal and state return preparation for individuals and families.
Investment Income
Capital gains, dividends, and tax-efficient investment strategies.
Rental Income
Depreciation, repairs, and multi-state compliance for landlords.
Self-Employed
Estimates, deductions, and entity structuring for freelancers and gig workers.
Tax Credits
Education, energy, child, and other credits you may qualify for.
Get in Touch
Have any questions?
Let's talk.
Request a free initial consultation to discuss your situation, service scope, and pricing. We will contact you to arrange a call. Specific tax advice and ongoing planning are provided under the terms of an engagement.
Office visits are by appointment. We accept tax-document drop-offs after a signed engagement agreement and by prior arrangement. Please request an appointment before visiting.
Send Us a Quick Message
We usually respond within one to two business days.
Fields marked * are required. We ask for your phone number to follow up and arrange a call.