Retirement Taxes Are Changing. The Rules You

Played By Won’t Protect You Later.

A simple, structural approach to understanding how much of your retirement the IRS may

already be entitled to—and what you can do about it now.

A simple, structural approach to understanding how much of your retirement the IRS may already be entitled to—and what you can do about it now.

Tax-Free Retirement Analysis | Tax Force
From the desk of Doug Morris

Why I Created Our Tax-Free Retirement Division

A personal message for my clients about the structural tax changes you’ll face in retirement.

Every year while preparing tax returns, many of you ask me bigger questions than we have time to fully answer in tax season:

“Doug… how do I reduce taxes once I retire?”
“Is there anything I should be doing now to prepare for taxes later?”

These are important questions. As tax laws and retirement rules evolve, I want my clients to have more than just annual filing support. You deserve clarity about the future, not just the past year.

That’s why we’ve created a new division focused exclusively on retirement tax exposure, structural IRS rules, and long-term tax-free income strategies.

And I’ve asked my son, Tristan Morris, to lead it. Tristan specializes in helping people understand how much of their retirement is already exposed to taxation, and what options exist to shift toward long-term tax-free strategies.

I trust him, and I trust the process we’ve built for our clients.

— Doug Morris Tax Force

Why Many Retirees Pay More Tax, Even When Rates Don’t Rise

This isn’t about politics or predicting tax hikes. It’s about how IRS rules can change the structure of your taxes in retirement.

You lose key deductions
More income becomes taxable
RMD rules can force withdrawals

1. You Lose Deductions

When you retire, you often lose major deductions:

  • Mortgage interest and business write-offs
  • Dependent and child tax credits
  • HSA and 401(k) contribution deductions

Even if tax rates stay the same, taxable income can rise because the deductions that used to protect you may be reduced or gone.

2. More of Your Income Becomes Taxable

In retirement, many income sources are taxable by default:

  • 401(k) and IRA withdrawals
  • Pension and annuity income
  • Up to 85% of Social Security (depending on your income)

This is structural. It surprises many people because it often shows up later, after retirement starts.

3. The IRS Forces Withdrawals (RMDs)

Starting in your early-to-mid 70s, the IRS generally requires withdrawals from certain pre-tax retirement accounts, whether you need the income or not.

Forced income = forced taxation.

Our goal is to help you understand your exposure before those rules kick in, and explore options to reposition part of your retirement into more tax-efficient structures.

What Is the Tax-Free Retirement Analysis?

A simple, structural review of how IRS rules may impact your retirement, and what you can do now to prepare.

What You’ll Walk Away With

  • A clearer picture of how much of your retirement is structurally exposed to taxation
  • An estimate of how RMDs could affect future taxable income
  • Insight into whether Social Security benefits may be taxed
  • Options to begin shifting toward tax-efficient and tax-favored strategies over time

This is educational only. Not individual tax, legal, or investment advice. It’s a conversation focused on clarity, structure, and planning.

Step 1
Take Survey

Answer a few questions about your timeline and accounts so we can understand your situation before we talk.

Step 2
Review Your Structural Tax Exposure

Tristan will walk through how rules like deductions, RMDs, and Social Security formulas may affect your taxes in retirement.

Step 3
Explore Available Options

You’ll review strategies that may help reduce future tax exposure and create more predictable, tax-efficient cash flow.

You've worked too hard to be surprised by retirement taxes.

Start to see how much of your retirement may already

be promised to the IRS-and what you can do about it.

We do not sell or share your information. All conversations are private and confidential. This analysis is educational in nature and not a binding financial recommendation.