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The Widow’s Penalty: Why Taxes Can Rise After a Spouse Dies

The Widow’s Penalty: Why Taxes Can Rise After a Spouse Dies

by Nathan Gauger | Sep 28, 2026 | Retiree Taxes

Losing a spouse changes nearly every part of life. Taxes are probably not the first thing anyone wants to think about during that period but with change comes opportunity and unfortunately this opportunity is about mitigation rather than savings. One of the more...
Retirement Tax Planning Strategies: The 12-Part Blue Heron Tax Map

Retirement Tax Planning Strategies: The 12-Part Blue Heron Tax Map

by Nathan Gauger | Sep 2, 2026 | Retiree Taxes

Retirement tax planning strategies are rarely about answering one question. As you work towards determining what an effective tax plan is for you during retirement, you find that you will end up juggling many variables. As you increase one variable, many others are...
How to Think About Roth Conversions: The After-Tax Value of Your IRA

How to Think About Roth Conversions: The After-Tax Value of Your IRA

by Nathan Gauger | Aug 14, 2026 | Retiree Taxes

Blue Heron CPAs has a clear niche of federal income tax for retirees. The most common planning question we get is around Roth conversions, with many people wondering if, when, and how much should be converted from an IRA to a Roth IRA. The answer isn’t simple and...
Florida Retirement Tax Planning: 7 Planning Wins for Retirees

Florida Retirement Tax Planning: 7 Planning Wins for Retirees

by Nathan Gauger | Jul 3, 2026 | Retiree Taxes

For many retirees, moving to Florida is not just a lifestyle decision to be near the beach. It can also create meaningful tax planning opportunities. Most people know the headline: Florida does not impose a personal income tax. The Florida Department of Revenue...
Should Florida Retirees Do a Roth Conversion Before RMDs Start?

Should Florida Retirees Do a Roth Conversion Before RMDs Start?

by Nathan Gauger | Jun 15, 2026 | Retiree Taxes

The years before RMDs can be a valuable tax planning window For many Florida retirees, deciding whether to do a Roth conversion before RMDs is not about chasing a tax trick. It is about understanding whether today’s tax cost may create more flexibility later. Often,...
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Blue Heron CPAs

Blue Heron CPAs is a Florida CPA firm focused on tax preparation and tax planning for retirees. We serve retirees virtually throughout Florida, with the capability of serving retirees in other states as well.

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© 2026 Blue Heron CPAs. Building confidence, peace, and reassurance for Florida retirees. Blue Heron CPAs PLLC, Florida CPA Firm License No. AD71274. A CPA firm, not an investment advisor.

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