Retirement Planning Services in Washington, DC

Retirement doesn’t close the book—it just shifts you into a new chapter. Maybe you’re an executive sorting through complicated compensation, a business owner thinking about your exit, or someone simply hoping to step back a little earlier. With the right plan in place, you get to move forward with more clarity, more freedom, and a lot more confidence.


At Straight Talk CPAs, we specialize in retirement planning services in Washington, DC, designed for individuals who don’t just want to retire — they want to retire wisely. Our approach goes beyond spreadsheets and savings accounts.


We help you align your financial decisions with your life goals — optimizing taxes, timing withdrawals, and coordinating every moving part of your wealth. Because a smart retirement plan isn’t just about what you earn. It’s about how much you keep.

Tax-Smart, Forward-Focused Retirement Planning for Washington, DC Professionals

For business owners, retirement is rarely a clean break. It’s a complex transition that blends tax planning, succession, and liquidity management.


Our team works with DC entrepreneurs to design personalized exit strategies that preserve value and reduce tax exposure, including:

  • Staggered buyouts and deferred comp structures
  • Retirement and pension funding for founders and partners
  • Capital gains minimization through strategic timing
  • Integration of estate planning and wealth transfer


One Washington-based consulting firm reduced its tax burden by $267,000 over five years through a phased retirement plan that allowed partners to exit gradually while maintaining operational continuity.

That’s the difference between leaving a business and leaving a legacy.

Business Owners: Plan the Exit Before the Exit

The best retirement strategy is one that looks 10 years ahead, not just at today’s balance sheet. Our Washington, DC team builds plans that are as forward-focused as you are.


We start by evaluating your full financial picture — from 401(k)s, pensions, and brokerage accounts to RSUs, deferred comp, and business equity — then develop a customized plan to make each piece work together seamlessly.


Our strategies include:

  • Withdrawal sequencing to minimize taxes over time
  • Roth conversion timing to maximize long-term tax-free income
  • Stock option and deferred comp coordination for executives
  • Business exit planning for owners transitioning out
  • Retirement income forecasting and risk management
  • Estate and legacy integration to preserve family wealth



Every plan is designed to give you one thing: clarity.
You’ll know where you stand, what to do next, and how each move affects your financial future.

Planning With Precision — and a Tax Lens

We don’t believe in one-size-fits-all plans.
We believe in strategy with substance.


When you work with Straight Talk CPAs, you get:

  • Personalized attention: Every plan is built from your unique financial story.
  • Collaborative coordination: We work directly with your financial and legal advisors to ensure all decisions align.
  • Tax-first focus: Every recommendation is designed to protect and grow after-tax wealth.
  • Transparent guidance: No jargon, no confusion — just clear, actionable advice that puts you in control.



Our clients trust us because we don’t just manage numbers — we manage outcomes.

The Straight Talk Difference

Case Study: Retiring With Clarity, Not Complexity

A Washington, DC couple — a senior hospital administrator and a federal contractor — came to us with over $4.8M spread across seven accounts and no cohesive retirement plan.


Both were within five years of retirement, but were unsure how to align their tax exposure, 401(k) withdrawals, and Roth conversions.


After a detailed review, we helped them:

  • Consolidate their investments into three efficient accounts
  • Design a 10-year tax-efficient withdrawal strategy
  • Schedule partial Roth conversions during low-income years
  • Project retirement outcomes at ages 60, 62, and 65
  • Reduce estimated lifetime tax liability by $148,900



Today, they’re confident about their plan — not because markets are predictable, but because their strategy is.

Explore Our Other Services in Washington, DC

List of Services

Who Should Consider Retirement Planning With Straight Talk CPAs?

  • Executives or business owners with $350,000+ in annual income
  • Professionals managing complex compensation packages
  • Households with 401(k), Roth, HSA, and investment mix
  • Anyone nearing retirement who wants clear, tax-smart steps
  • Families planning to integrate retirement and legacy goals

Whether retirement is five years away or right around the corner, our team builds a detailed, flexible path that grows with you.

FAQs

  • Why should I choose a CPA-led firm for retirement planning?

    Because retirement planning isn’t just an investment strategy — it’s a tax strategy. A CPA-led approach helps reduce unnecessary taxes and preserve wealth across decades.


  • What’s the ideal age to start retirement planning?

    Most people do well starting 10–15 years before they retire, but it’s never too late.  Even if you’re only a few years out, smart tax moves can still shift your numbers in a meaningful way.


  • Do you coordinate with my financial advisor or estate planner?

    Yes—we stay in touch with your advisors so your investments, tax strategy, and estate planning don’t operate in separate lanes.


  • Can you help with business succession and exit planning?

    We can. We map out phased exit paths that protect cash, lower taxes, and keep the business running smoothly as leadership changes hands.


  • How often do you review retirement plans?

    At a minimum, a structured annual review. If something big happens—financially or personally—we’ll revisit the plan sooner to make sure it still fits.