Retirement Planning Services in Raleigh, NC

Whether you're managing a private practice in Cary, a consulting firm near Glenwood South, or a software company with an eye on acquisition, retirement shouldn’t be something you “figure out eventually.” Straight Talk CPAs offers retirement planning services in Raleigh, NC built for people ready to take control of their future—with strategy, confidence, and clarity..

Because “Later” Deserves a Plan—Not a Panic

Your Timeline. Your Pace. Your Priorities.

Whether you’re five years out or still decades away, it’s never too early—or too late—to plan well. Our Raleigh clients come to us at all stages:

  • High-income earners who want to optimize tax-advantaged accounts
  • Business owners preparing for exit or partial retirement
  • Professionals aiming for early retirement or flexible “work optional” lifestyles
  • Families preparing to support aging parents and college-bound kids simultaneously


We meet you where you are—and help you move forward with intention.

Every person’s retirement looks different. That’s why our plans are built around your life, not cookie-cutter assumptions.


We help Raleigh professionals and business owners:

  • Choose between Traditional and Roth IRAs, SEP IRAs, and 401(k)s
  • Estimate how much you actually need for the lifestyle you want
  • Build retirement income models that include passive income, Social Security, and investments
  • Understand the tax impact of withdrawals and required minimum distributions
  • Plan for healthcare costs, long-term care, and legacy goals


We break it all down—no jargon, just answers that make sense.

Retirement Strategy That Reflects Real Life

Case Study: From Uncertainty to Early Exit

Marcus, a 55-year-old structural engineer living in North Raleigh, wanted to retire by 62 but wasn’t sure if he could pull it off. He had $417,000 in his 401(k), another $93,000 in an old brokerage account, and no defined plan.



Here’s what we did:

  • Consolidated his investment accounts into a streamlined, tax-efficient portfolio
  • Modeled retirement income based on different ages and expense levels
  • Identified a strategy to convert part of his traditional 401(k) to Roth over five years, reducing future tax exposure
  • Coordinated with his CPA to maximize 2024 retirement contributions and cut $8,100 from his projected tax bill
  • Created a phased exit plan from his firm, allowing a gradual shift into consulting

“For years, I just hoped it would all work out. Now I know I can retire—and even take some time off first.”

Marcus is now planning a six-month international sabbatical—something he never thought was financially possible until he saw the numbers.

Explore Our All Services in Raleigh, NC

List of Services

Tech Tools + Human Support

A solid nest egg is important—but a great retirement plan also accounts for:

  • When and how to claim Social Security
  • Smart withdrawal strategies to minimize taxes
  • Healthcare and long-term care budgeting
  • What happens if plans change or markets dip
  • Transition planning if you own a business



At Straight Talk CPAs, we integrate tax strategy and personal financial planning to ensure your retirement isn’t just possible—it’s protected.

FAQs

  • When should I start planning for retirement?

    Now. Whether you’re 30 or 60, the earlier you plan, the more options you’ll have.


  • Can you help business owners with exit planning?

    Yes. Many Raleigh business owners use our services to prepare for selling, succession, or stepping back gradually.


  • What if I don’t know when I want to retire?

    That’s normal. We help you define realistic timelines based on your lifestyle goals and current financial picture.


  • Is this service available virtually?

    Absolutely. Everything from our meetings to your documentation is handled securely online.


  • Do you include Social Security in planning?

     Yes. We help you model the best time to claim benefits based on your income, tax bracket, and longevity outlook.