Retirement Planning Services in Tucson, AZ

Retirement shouldn't be something you “figure out later.” Whether you're a healthcare provider near Banner UMC, a local contractor preparing for a transition, or a real estate agent in Oro Valley ready to map out your next chapter—Straight Talk CPAs builds retirement strategies that make sense for Tucson residents.


The result? A plan you can follow with confidence and clarity.

Retirement Planning That Feels Possible—Not Overwhelming

Yes, you’ll get access to modern planning tools like:

  • Retirement forecasting dashboards
  • Secure digital documentation
  • Income stream models based on your assets


But more importantly, you’ll get a trusted advisor—someone who knows Tucson’s economic realities and helps you make informed decisions with confidence.

Smart Technology + Real Conversations

Retirement planning doesn’t have to feel like assembling furniture with missing instructions. Straight Talk CPAs helps you understand the critical decisions you’ll need to make—without the confusing lingo.


We walk through:

  • Choosing between Roth and Traditional IRAs
  • Social Security claiming strategies
  • Tax deferral and reduction opportunities
  • A realistic number you’ll need—and how to get there


It’s a step-by-step plan built around your lifestyle and timeline.

No Jargon. Just Answers.

Why Retirement Planning Matters More Than Ever

Saving is just one piece of the puzzle. Retirement success hinges on how well your plan addresses:

  • Rising healthcare costs
  • Tax-smart income strategies
  • Business exit planning (if you own one)
  • Unexpected life shifts that can throw off your timeline


Straight Talk CPAs helps Tucson clients build flexible, forward-thinking plans that hold up in real life.

Case Study: From Procrastination to Progress

Alan, a 57-year-old electrician in Tucson, had $104,600 across four retirement accounts and no clear vision of when or how he could stop working.


Here’s what we did:

  • Reviewed and consolidated accounts into one accessible strategy
  • Opened a SEP IRA with annual contributions of $23,740
  • Built an income projection model that included Social Security and side income
  • Adjusted his business contracts to prepare for a gradual exit by age 63


Now, Alan is on pace to retire two years earlier than expected—and just booked a hiking trip through the Chiricahua Mountains to celebrate.

“For the first time in years, I actually feel on track. And it’s not just a guess—it’s a plan.”

Explore Our Other Services in Tucson, AZ

List of Services

Why Choose Straight Talk CPAs in Tucson?

  • Local Insight:  We understand Arizona tax laws, pensions, and retirement incentives
  • Tailored Strategies: We build plans to match your career, lifestyle, and future goals
  • Straightforward Communication: No confusing lingo, no surprises
  • Integrated Planning: As CPAs, your retirement plan is built with tax strategy in mind
  • Future-Focused:  We help you stay flexible and adapt your plan as life evolves

FAQs

  • When should I start planning for retirement?

    The sooner, the better—but it’s never too late. Whether you’re in your 30s or 60s, there’s always a strategy that fits your timeline.

  • I own a business—can your plan help with that?

    Definitely. Retirement planning often includes helping business owners prepare their exit and turn their business into part of their retirement income.

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

    That’s common. We’ll guide you through questions that shape your timeline and clarify your financial goals.

  • Do you offer virtual services?

    Yes. Every step—from our meetings to your secure documents—is handled online for your convenience.

  • What’s included in your retirement planning services?

    Strategic planning, retirement forecasts, account structure recommendations, tax coordination, and ongoing check-ins.