Goldstone Financial Group is spotlighting its tax planning services to help retirees coordinate withdrawals, plan for RMDs, and manage lifetime taxes using Roth strategies, Qualified Charitable Distributions, and careful income planning.
-- Goldstone Financial Group is rolling out enhanced tax planning for retirees aimed at one core objective: to help clients minimize taxes over a multi‑decade retirement while sustaining their income strategy. The firm's advisors, led by CEO Anthony Pellegrino, help guide clients through tax‑efficient withdrawal sequencing, Roth conversion windows, and strategies to manage taxable income that can affect Social Security taxation and Medicare IRMAA surcharges.
For more information, visit the firm's tax planning page at https://goldstonefinancialgroup.com/services/tax-planning/
The latest offering addresses common questions facing retirees: how and when to take distributions from tax‑deferred accounts versus taxable assets, how to navigate required minimum distributions (RMDs) at age 73, and how to use Qualified Charitable Distributions (QCDs) to satisfy RMDs without increasing reported taxable income. Advisors also evaluate tax‑loss and tax‑gain harvesting opportunities and the timing of Roth conversions in lower‑bracket years to help reduce future RMD exposure.
"Taxes change in retirement, and so should the strategy," said Liz Esarey, CPA, Director of Tax Planning. "The order of withdrawals matters. Coordinating Roth, pre‑tax, and taxable accounts can help lower lifetime taxes, preserve benefits, and support a more durable plan."
Goldstone's approach integrates withdrawal sequencing across account types to manage annual taxable income, Roth conversions during lower‑income years to reduce future RMDs and increase tax‑free flexibility, and QCDs (currently up to $100,000 per year) for eligible clients to satisfy RMDs tax‑efficiently. Social Security timing alignment with tax objectives and tactics to help limit Medicare IRMAA exposure, enable ongoing tax‑aware portfolio maintenance, including loss and gain harvesting.
"Retirement should be intentional—especially your tax plan," added Jessica DeBold, CFP®, EA, Director of Advanced Planning. "We map multi‑year tax considerations—brackets, benefit thresholds, and potential changes—so clients understand where their paycheck is coming from and what their tax picture looks like."
Goldstone Financial Group is an SEC‑registered investment adviser. The firm's Retirement Roadmap aligns tax planning with income, investment, healthcare, and estate strategies, providing retirees with a coordinated, year‑by‑year plan. The firm is headed by Anthony Pellegrino, who has been twice named 'Five Star Wealth Manager' by Chicago Magazine*.
For more information about tax planning services in Chicago, visit https://goldstonefinancialgroup.com/
Goldstone Financial Group, LLC (“GFG”) is a registered investment advisor with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or qualification. This material is provided for informational purposes only. Opinions expressed herein are solely those of GFG. None of the information presented in this material is intended to offer personalized investment advice and does not constitute an offer to sell or solicit any offer to buy a security or any insurance product and is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
*The Five Star Award was issued on 10/01/2025 by Five Star Professional (FSP) for the time period 01/01/2025 through 08/01/2025. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 6399 Chicago-area wealth managers were considered for the award; 362 (6% of candidates) were named 2025 Five Star Wealth Managers.
Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. For a detailed award methodology, please visit: https://www.fivestarprofessional.com/awardwinners/CHIWM
Contact Info:
Name: Anthony Pellegrino
Email: Send Email
Organization: Goldstone Financial Group
Address: 18W140 Butterfield Road, Oakbrook Terrace, Illinois 60181, United States
Phone: +1-630-620-9300
Website: https://www.goldstonefinancialgroup.com/
Source: PressCable
Release ID: 89183235
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