Tax Preparation for Retirees in Central Florida
Blue Heron CPAs helps retirees in The Villages, Clermont, and Greater Orlando file accurately and plan wisely—so your savings last and your taxes stay predictable. We focus on the things that matter most in retirement: RMDs, Social Security, Roth conversions, Medicare surcharges, and investment income.
Who We Help
Florida retirees who want a steady, low-stress filing process with proactive guidance
Households managing RMDs, pensions/annuities, IRA distributions, and brokerage activity
New Florida residents who need help cleanly transitioning from another state
Retirees aiming to optimize withdrawals and simplify paperwork each year
Best fit: Florida retirees without complex partnerships/trusts or extensive K-1s.
What You Get
CPA-led preparation & review (no “black box” filing)
A clear checklist and secure, paperless document collection
Guidance on RMDs, QCDs, Social Security taxation, and Roth conversion windows
Attention to Medicare IRMAA implications of income decisions
Coordination of multi-state issues for recent movers
Straightforward communication, clear timelines, and a calm tax season
How Our Retiree Tax Prep Works
Discovery Call
We work to make the tax preparation process less stressful and less complicated for you.
Secure Upload
Blue Heron empowers small businesses with expert bookkeeping, ensuring compliance, reducing tax burdens, and driving growth.
Draft & Review
Blue Heron CPAs provides business consultation to help business grow. Schedule a meeting to find out how we can help you.
E-File & Aftercare
We provide strategic guidance on major financial decisions, leadership transitions, or growth phases—helping you make the right calls.
Smart Tax Planning for Retirees
• RMDs & QCDs: Schedule RMDs, avoid pitfalls, use QCDs for efficient giving
• Social Security Taxation & Timing: Plan withdrawals to minimize taxable Social Security
• Roth Conversions & Gap Years: Optimize pre-RMD years for Roth moves
• Medicare IRMAA Awareness: Watch income thresholds to avoid surcharges
• Investment Income & Capital Gains: Organize 1099s, explore harvesting/smoothing
• New Florida Residents & Multi-State: Handle partial-year filings cleanly
• Charitable Giving Strategies: Stock donations, donor-advised funds, QCDs
What To Bring
Identification: Photo ID, Social Security cards (first-time clients)
Income: 1099-R, SSA-1099, 1099-DIV/INT/B, K-1s, 1099-Misc/NEC
Retirement: IRA/Roth/401(k) year-end statements, RMD/QCD docs
Investments: Brokerage summaries, realized gain/loss reports
Deductions: Property tax, mortgage interest, charitable receipts
Moving: Closing statements, prior-state info for partial-year
Last Year’s Return: For consistency + carryovers
FAQs
Q: Do I file a Florida state return?
A: Florida has no individual income tax return. For part-year returns or individuals running a business, there are other Florida filing requirements that may be applicable.
Q: Can QCDs lower my taxes?
A: Yes, QCDs can satisfy RMDs and therefore reduce taxable income. QCDs must be properly documented and are a popular tax tool for reducing Adjusted Gross Income.
Q: When is a Roth conversion smart?
A: Often in lower-income years prior to RMDs. Blue Heron recommends tax planning prior to making Roth conversions as an increase in adjusted gross income can have many tax implications and may not be good for everyone.
Q: Can you work virtually?
A: Yes, we serve retirees nationally through our virtual portal provided by TaxDome.