Retire with Purpose. Not just a Plan.
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Over 1,100 Clients Served around the U.S.
100+ Years Combined
Financial Expertise
Your Retirement. Your Legacy.
Your Epic Life.
Retirement isn’t the end of the road—it’s your next EPIC beginning!
We believe in designing a retirement plan that reflects your goals, your lifestyle, and your legacy. In today’s world—with rising taxes, market volatility, and longer lifespans—winging it just isn’t an option.
You don’t need a cookie-cutter plan.
You need a strategic, tax-smart, lifestyle-focused roadmap that evolves with you.
The Epic Retirement Roadmap was designed to answer the questions we all have:
HOW MUCH money will I need to retire?
WHEN can I retire?
WHAT will my taxes be in retirement?
WHICH option should I choose for my Social Security?
Do you understand the ways taxes could impact your retirement?
Schedule today and receive a complimentary Taxes in Retirement Report—a detailed estimate of what you could pay in taxes during retirement.
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Recognition:
Free Epic Resource
"What to Consider Before I Retire"
Before you book the cruise, buy the lake house, or finally hand in that retirement notice—let’s make sure you’ve checked all the right boxes.
Our “What to Consider Before I Retire” checklist is designed to give you clarity, confidence, and control as you prepare for your next epic chapter.
This isn’t just a list. It’s a strategic tool to help you:
Understand the financial foundations you must have in place
Identify gaps that could cost you in taxes or income down the road.
Prioritize lifestyle, legacy, and long-term security
Start having better, more focused conversations with your advisor or spouse
Because your next chapter deserves a smart beginning.
With our EPIC retirement strategy, clients benefit from expert planning, proactive tax solutions, investment guidance, and complete financial care.
Retirement income & portfolio management
Social security plannning
required minimum distributions
pension
legacy & Estate planning
irmaa-medicare
tax optimization
long - term care
lifetyle & goal setting
Vacation’s Over — Now Let’s Talk Tax Strategy
You did it.
You unplugged.
You sipped bubbly by the lake, lounged in flip-flops, maybe even ignored your inbox for a full 48 hours (a personal best).
But now the beach bags are back in storage, and your inbox is looking a little... overwhelming.
Welcome back.
Vacation’s over — and it’s time to talk about tax strategy.
Retirement Isn’t a Permanent Vacation (Especially for Your Taxes)
Here’s a harsh-but-true reality: Just because you’ve stopped working doesn’t mean the IRS stops taking.
In fact, many retirees are shocked to learn:
Social Security can be taxable – although the new tax bill may put an end to that!
Medicare premiums can skyrocket due to IRMAA Surcharges
Required Minimum Distributions (RMDs) can trigger a higher tax bracket
And capital gains from downsizing your home, selling a business, or cashing out investments can still haunt you in April
That retirement tax-free dream? It’s more myth than margarita — unless you plan ahead.
Why Fall Is the Most Important Season for Tax Planning
The last few months of the year aren’t just for pumpkin spice and football.
They’re your final window to make strategic tax decisions that could:
Potentially cut your lifetime tax bill
Reduce future RMDs
Lower your Medicare premiums
Or even fund your legacy, tax-efficiently
And once the ball drops on New Year’s Eve? That window slams shut.
4 Year-End Tax Moves Every Retiree Should Consider
1. Roth Conversions While You Still Can
If your income is lower this year — or you’re in a temporary tax “valley” before RMDs begin — now might be the perfect time to convert traditional IRA funds into a Roth.
Pay a little tax now, avoid a lot of tax later.
Bonus: Roth IRAs don’t have RMDs, which can reduce IRMAA and future headaches.
2. Charitable Giving with a Twist
Sure, you could write a check. But if you’re over 70½, you can also make Qualified Charitable Distributions (QCDs) directly from your IRA — tax-free.
Or consider a Donor-Advised Fund to stack deductions while gifting strategically.
Pro Tip: This can help satisfy RMDs and reduce your taxable income.
3. Review Your Income Bracket
Sounds simple, but most people don’t actually know where they fall — especially if you’ve sold assets, received a pension payout, or have multiple income sources.
Knowing your bracket now helps avoid surprises later and can open up the opportunity for implementing smart strategies before year-end.
4. Get Ahead of IRMAA
If you’re approaching Medicare age or already enrolled, your modified adjusted gross income (MAGI) determines how much you pay for premiums — two years in advance.
Translation: What you earn (or convert) this year affects your 2027 costs.
Planning = Power.
Retirement Isn’t the End of Tax Strategy — It’s the Beginning
You didn’t work this hard to give the IRS a raise.
And you didn’t retire and expect to have a huge tax bill or bloated Medicare premiums.
Ready to enjoy retirement without tax regrets?
Because peace of mind shouldn’t end with summer.
Awards Disclosures:
Companies on the 2024 Inc. 5000 are ranked according to percentage revenue growth from 2020 to 2022. To qualify, companies must have been founded and generating revenue by March 31, 2020. They must be U.S.-based, privately held, for-profit, and independent – not subsidiaries or divisions of other companies – as of December 31, 2021. (Since then, some on the list may have gone public or been acquired.) The minimum revenue required for 2020 is $100,000; the minimum required revenue for 2024 is $2 million. As always, Inc. reserves the right to decline applicants for subjective reasons. Firms must submit an application in order to be considered. No compensation was paid by the firm to be considered. The award was received on August 15th, 2023.
“USA TODAY’s Best Financial Advisory Firms 2024” was published on April 23, 2024, and is a ranking of registered investment advisory firms prepared by USA Today and Statista, Inc. The ranking is based on recommendations by financial advisors, clients and industry experts and a firm’s development of Assets Under Management (AUM). Recommendations were collected via an independent survey among over 25,000 individuals, and self-recommendations were prohibited. In order to be eligible, firms must be registered as an RIA firm with the SEC or at state level for at least one year, a principal office in the United States, a clean disciplinary record, offer financial planning services or portfolio management for individuals and/or small businesses, AUM must be greater than $500,000 and achieved an overall score among the top 500. No compensation was paid in order to be eligible for this award.
Disclosure:
All Investment Advisory Services are provided by Epic Trust Investment Advisors, LLC d/b/a Epic Private Wealth, an SEC Registered Investment Advisor. Registration with the SEC does not imply a certain level of skill or expertise. Insurance products are offered through Northwest Insurance Alliance, LLC and guarantees are subject to the claims-paying ability of the issuing company and are not guarantees offered by Epic Trust Investment Advisors, LLC, or its affiliated companies. Epic Trust Investment Advisors, LLC d/b/a Epic Private Wealth is NOT a chartered bank, trust company, or depository institution. Additional information about Epic Trust Investment Advisors, LLC d/b/a Epic Private Wealth, is available in its current disclosure documents, Form ADV Part 1A, Form ADV Part 2A Brochure, and Client Relationship Summary report which are accessible online via the SEC’s investment Adviser Public Disclosure (IAPD) database at www.adviserinfo.sec.gov, using SEC #801-120618. Epic Trust Investment Advisors, LLC does not offer or provide legal or tax advice. Please consult your attorney and/or tax advisor for such services.
Epic Trust Is A Client-Focused SEC Registered Investment Advisory Firm That Offers It's Network Investment Advisor Representatives Access To "Proven In The Trenches" Financial Planning Tools and Investment Portfolios Tailored To Each Client’s Unique Goals And Plans. Please note, registration with the SEC does not imply a certain level of skill or expertise.
No client or potential client should assume that any information presented or made available on or through this website should be construed as personalized financial planning or investment advice. Personalized financial planning and investment advice can only be rendered after engagement of the firm for services, execution of the required documentation, and receipt of required disclosures. Please contact the firm for further information.