Retirement Planning Services in San Diego, CA

Retirement shouldn’t feel uncertain, complicated, or buried under jargon. Whether you’re running a medical practice in La Jolla, scaling a tech consultancy in UTC, or managing a construction firm in Chula Vista, you've worked hard to build income — now it’s time to build a future that runs on precision, not guesswork.


At Straight Talk CPAs, we help San Diego professionals and business owners create retirement strategies that are tax-efficient, adaptable, and built around the lifestyle you want next.


No confusion. No sales pressure. Just data-backed clarity and a long-term plan that actually makes sense.

A Retirement Strategy Engineered for Clarity, Tax Efficiency & Long-Term Confidence

Your retirement plan shouldn’t be static — your life isn’t. Income changes, markets shift, family priorities evolve. You need a system that moves with you.


We combine intuitive digital planning tools with CPA-led guidance to create an evolving strategy that stays aligned with tax law, market conditions, and your long-term financial trajectory.


Our approach helps you:

  • Model different retirement ages and income scenarios
  • Choose the right timing for Social Security, pensions, and your monthly cash flow.
  • Know what you’ll get from every source — 401(k), IRA, brokerage, and NQDC.
  • Prepare for healthcare costs, Medicare choices, and longer lifespans.
  • Adjust your strategy proactively as life and income change


Software can show numbers — but real advisors bring meaning, clarity, and strategy.

Technology for Insight. Advisors for Strategy. A Plan That Evolves With You.

Retirement decisions shape decades of your life — they deserve more than guesswork. We break down complex scenarios into straight answers and practical, high-value actions.


We help you answer questions like:

  • Which delivers more long-term value: Roth or Traditional contributions?
  • When should you claim Social Security for maximum lifetime income?
  • How do you withdraw funds without triggering unnecessary taxes?
  • What’s your real retirement number — and are you on track?
  • How should your investments shift as your timeline, goals, and risk change?


We translate complexity into strategy so you can move forward with certainty.

Turning High-Stakes Retirement Decisions Into Clear, Confident Choices

Case Study: From Unclear Timelines to a Confident, Tax-Smart Retirement Plan

A 55-year-old San Diego engineering consultant came to us with scattered accounts, inconsistent contributions, and no clear idea of when she could financially transition out of full-time work.


Here’s how we created structure and direction:

  • Consolidated five retirement accounts into a unified, tax-efficient portfolio
  • Built a phased retirement plan with part-time consulting through age 62
  • Designed a multi-year Roth conversion strategy to reduce long-term tax drag
  • Modeled Medicare and healthcare cost scenarios to remove uncertainty
  • Developed conservative, balanced, and growth-based income projections


The result:

  • A confident retirement age of 62
  • A forecasted monthly income of $7,850
  • A withdrawal plan engineered to extend portfolio longevity



“I finally understand my numbers and have a plan that adjusts with my life.”
— Sandra L., San Diego Consultant

Explore Our Other Services in San Diego, CA

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Why San Diego Professionals Choose

Straight Talk CPAs

Retirement planning shouldn’t be a product pitch. It should be a strategic, tax-informed roadmap built by professionals who understand compliance, planning, and long-term financial architecture.

What sets us apart:

  • CPA-led planning with fiduciary-level guidance
  • No commissions, no product pushing — ever
  • Tax-smart strategies integrating contributions, timing, and withdrawals
  • Modern digital tools backed by advisors who explain every step
  • Local San Diego insight with national-level expertise
  • Ongoing support that evolves with your income, lifestyle, and goals

We don’t sell investments — we build retirement clarity.

Ready to Build a Retirement Plan That Gives You Confidence?

Your future shouldn’t feel uncertain. Let’s build a tax-efficient retirement strategy that shows you exactly what “enough” looks like — and the steps to get there.

FAQs

  • When should I start planning for retirement?

    Earlier is ideal, but it’s never too late. Many San Diego clients start 5–10 years before retirement, but we guide you from any stage.


  • Can you help consolidate multiple accounts?

    Yes. We merge old 401(k)s, IRAs, and brokerage accounts into a clear, streamlined structure that’s easier to track and often more tax-efficient.


  • Do you only work with business owners or high earners?

    No. We work with business owners, executives, tech professionals, medical specialists, and anyone who wants a structured, confident retirement plan.


  • How do you keep retirement planning tax-efficient?

    We optimize contributions, withdrawal timing, Roth conversions, Social Security strategy, and multi-account tax impacts — all through a CPA lens.


  • What if I’m not ready to retire anytime soon?

     Perfect. Early planning gives you more flexibility, better tax outcomes, and a retirement date driven by choice, not pressure.