Taxes shouldn’t keep you up at night.
Close, personal attention from Mary Garza: tax preparation, planning, and clear guidance on Medicare, Social Security and your IRA as you approach retirement.
Free second-opinion review on last year’s return · Medicare & Social Security guidance alongside your taxes
Planning, strategy and results, starting with your return.
- Planning · every year
It starts with your return.
We go through your tax return line by line to find what could be improved.
- Deductions and credits you may have missed
- Retirement contributions and age-based benefits
- Strategy · before you retire
Keep more after tax.
We manage risk and spread savings across accounts with different tax treatment.
- Taxable, tax-deferred and tax-free accounts in balance
- Fewer surprises when required withdrawals start
- Results · in retirement
Draw income the smart way.
We plan which account to draw from each year, with your tax bill in mind.
- Withdrawals in a tax-aware order
- Roth conversions when your tax rate is low
Big decisions arrive all at once. You don’t have to make them alone.
Medicare, Social Security and your IRA each come with a deadline, and each one changes your taxes for years. Here’s when they arrive.
- Age 62Earliest Social SecurityClaim now and your check is smaller for life.When to claim →
- Age 63Watch your incomeThis year’s tax return sets your Medicare premiums at 65.Check my premium →
- Age 65MedicareYour 7-month sign-up window opens 3 months before your birthday month.Medicare guide →
- Age 67Full Social SecurityYour full benefit, if you were born in 1960 or later. Our worksheet compares 62, 67 and 70.
- Age 70Largest checkWaiting past 70 doesn’t raise it any further.
- Age 75Required IRA withdrawalsFrom 75 if born 1960 or later (73 if born 1951–1959).Estimate my RMD →
Take the Legacy Stress Test.
Quick questions, answered Yes, No or Not sure, about your will, beneficiaries, health care wishes and more. It shows where the gaps are in your estate and legacy plan, and which to deal with first.
You see your score right away. No email needed.
- Will
- Financial power of attorney
- Health care wishes
- Beneficiaries
- Document access
- Final arrangements
- Final expenses
- Digital accounts
- Taxes for heirs
- Family conversation
“I love meeting and helping people.”
Mary Garza has spent countless hours studying and keeping current with government regulations, taxation and the economy, to give clients useful information that actually helps them reduce taxes, make wise financial decisions, and get the most from Medicare and Social Security.
[Credentials & years of experience]
More about Mary →Three simple steps.
Start with a 30-minute conversation. There’s no obligation.
- Step 1: Book a consultationSend us a message or call the office to set up a time.30 minutes · in Belton, by phone or videoBook online →
- Step 2: Bring your last returnWe start with your tax return to find what could be improved.Plus your SSA-1099 and 1099-Rs, if you have themWhat to bring →
- Step 3: Leave with a planClear next steps for this year’s filing and the years ahead.No obligation to go further