Resources For Retirees | Be Well and Co. Financial Consulting

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Financial & Tax Resources for Retired Individuals

Whether you’re fully retired, semi-retired, or just navigating the transition, we’re here to help you stay confident and compliant.

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How We Support Retirees — and Why We Care

We understand the unique financial questions that come with retirement. From deciding when to take Social Security, to managing RMDs and pensions, to filing taxes from abroad — we offer judgment-free support and personalized guidance.

Whether you're aging in place, traveling full time, or living abroad, we bring deep experience and a calm, practical approach to help you make empowered financial decisions.

📅 Social Security Timing — Make the most of your benefits.

📊 RMD & Pension Planning — Stay compliant and maximize income.

🌍 Taxes for Retirees Abroad — Keep finances smooth wherever you live.

Free Resources

💳 Social Security & Taxes
Learn when your Social Security becomes taxable — and how to reduce your tax bill in retirement.
Read the Social Security Guide

📅 Required Minimum Distributions (RMDs)
Turned 73? Here's what you need to know about RMD rules, penalties, and smart planning tips.
Review the RMD Guide

🌍 Filing Taxes While Retired Abroad
Retired expat? Make sure you're meeting your U.S. tax obligations — even from overseas.
Explore Expat Tax Basics

💰 Tax-Smart Withdrawals
How and when you take money from your retirement accounts affects how much tax you pay.
Learn Withdrawal Strategies

🎯 Credits & Deductions for Seniors
You may still qualify for credits and deductions — even with limited income.
Explore Senior Tax Benefits

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Frequently Asked Questions

1. Do I have to file taxes if I’m retired?

Maybe. If your income (including Social Security, retirement withdrawals, pensions, or investment income) exceeds certain thresholds, you’re required to file. We can help you figure it out.

2. Is my Social Security income taxable?

Sometimes. If your income from other sources is over a certain level, up to 85% of your Social Security may be taxable. We can help you run the numbers.

3. What if I live abroad in retirement?

You’re still required to file U.S. taxes each year. You may be able to use the Foreign Earned Income Exclusion, foreign tax credit, or tax treaties depending on your situation.

4. Do I still have to take RMDs?

Yes — once you reach age 73, you must begin taking Required Minimum Distributions from traditional IRAs, 401(k)s, and similar accounts. The IRS has specific rules and deadlines, and missed withdrawals can result in steep penalties.

5. Can I reduce my tax burden in retirement?

Yes. Tax-smart strategies like Qualified Charitable Distributions (QCDs), spreading out Roth conversions, or strategically timing withdrawals can help lower your lifetime tax bill.