Retirement Planning Services in Tampa, FL

Retirement shouldn’t feel uncertain or abstract. Tampa professionals and business owners work hard — often juggling unpredictable income cycles, business demands, and multi-state tax considerations. Now it’s time to build a future where your money supports the life you want, with confidence and control.


At Straight Talk CPAs, we help Tampa clients create retirement strategies that are tax-smart, realistic, and grounded in clear, actionable guidance. No technical language. No confusing charts. Just a structured plan built around your goals, your timeline, and your lifestyle.

A Retirement Strategy Built for Clarity, Confidence & Long-Term Security

Your retirement plan shouldn’t be static. As income shifts, business decisions evolve, and markets fluctuate, your strategy needs to evolve too.


Our Tampa retirement planning approach includes:

  • Modeling different retirement ages and lifestyle scenarios
  • Forecasting Social Security timing and long-term income streams
  • Planning 401(k), IRA, pension, and brokerage distributions
  • Considering healthcare, Medicare, and Florida-specific retirement costs
  • Adjusting risk and allocations based on timing and market conditions



Software can project numbers — but real advisors bring context, interpretation, and strategic thinking.

A Plan That Adapts — Backed by Insight and Real Strategy

Retirement planning is too critical to rely on guesswork. We break complicated choices into straightforward answers — backed by tax strategy, real numbers, and a personalized approach.


We help you navigate questions like:

  • Should you prioritize Roth or Traditional contributions based on your future tax picture?
  • When is the right time to claim Social Security to maximize lifetime benefits?
  • How do you withdraw funds without triggering unnecessary taxes?
  • What income level do you realistically need — and how do you get there?
  • How should investments adjust as you approach your retirement window?



We turn complexity into clarity — so every decision has purpose.

Bringing Clarity to the Decisions That Shape Your Future

Case Study: From Uncertainty to a Clear Retirement Date

Meet Steven — a 55-year-old Tampa aviation professional with multiple retirement accounts, uneven income, and no clear plan for when he could step back.


Here’s what changed once we stepped in:

  • Consolidated three retirement accounts into a tax-efficient investment structure
  • Modeled retirement at multiple ages using Tampa’s cost-of-living and lifestyle assumptions
  • Built a Roth conversion schedule to reduce lifetime tax exposure
  • Projected Medicare, supplemental coverage, and long-term healthcare costs
  • Created conservative, balanced, and growth-based income strategies


The result:

  • A clear target retirement age: 62
  • Projected monthly retirement income of $7,900
  • A tax-smart withdrawal strategy that extended portfolio longevity by 11 years


“I finally know the path. Everything is organized, the decisions make sense, and retirement no longer feels like a guess.”
 — Steven R., Tampa Aviation Professional

Explore Our Other Services in Tampa, FL

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Why Tampa Clients Choose

Straight Talk CPAs

Retirement planning should be straightforward, tax-informed, and built by advisors who actually understand both strategy and compliance.

Here’s what sets us apart:

  • CPA-Led Strategy:
    Your retirement plan is guided by licensed CPAs who understand tax law, planning mechanics, and long-term financial modeling.
  • Independent Advisory, No Commissions:
    We don’t sell products. Our advice is objective, strategic, and aligned with your goals.
  • Clear, Fixed Pricing:
    No hidden fees, no sales pressure — complete transparency from day one.
  • Tax-Smart Planning at Every Step:
    We optimize contributions, conversions, withdrawals, and timing decisions with a tax-first mindset.
  • Advisors Who Stay Engaged:
    Your plan evolves as your life changes. You get ongoing support, not a one-time projection.

With us, retirement isn’t a mystery — it’s a plan.

Ready to Build a Retirement Plan That Actually Makes Sense?

Let’s design a retirement plan that gives you clarity, confidence, and a real direction — not just a collection of accounts and estimates.

Your future deserves more than guesswork.

FAQs

  • When should I start planning for retirement?

    Sooner is always better, but it’s never too late. Many Tampa clients begin planning 5–10 years before retirement, but we meet you wherever you’re starting.


  • Can you help consolidate multiple accounts?

    Absolutely. Old 401(k)s, IRAs, brokerage accounts — we consolidate everything into a clean, tax-efficient structure so you’re not juggling scattered balances.


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

    No. While many clients have complex finances or higher income, what matters most is that you want clarity, structure, and a long-term plan that actually works.


  • How do you make retirement planning tax-efficient?

    We analyze contribution strategies, withdrawal timing, Roth conversions, Social Security optimization, and tax brackets — all through a CPA-driven approach.


  • What if I don’t plan to retire soon?

    Perfect. The earlier you plan, the more options you have. You get more control, more flexibility, and a retirement date that’s based on intentional choice — not financial pressure.