Helping You Find Your Freedom in Retirement
Retirement freedom isn't just about money — it's about knowing your tax strategy, income plan, and investments work together. We help you see the full picture before decisions get locked in.
Schedule a Free ConversationThere Are Two Tax Systems. One for the Informed — and One for Everyone Else.
Coordinated, Not Siloed
We connect investments, taxes, insurance, Medicare, and estate planning into one strategy — so nothing falls through the cracks.
Education First, Always
This is not a sales pitch. It's an educational conversation about how taxes actually work in retirement.
Tax Control, Not Tax Avoidance
Every decision you make in retirement shows up on your tax return. We help you decide when and how you pay them.
Does Your Retirement Plan Stack Up?
Start with 7 quick questions below — or take our comprehensive 10-question Retirement Scorecard to get scored across 5 critical areas with personalized recommendations.
Retirement Doesn't Happen in Lanes
Whether you're approaching retirement, already there, or navigating a life transition — your tax return tells a story. We help you read it.
Pre-Retirees
Ages 50-65
Pre-Retirees
The 5 years before and after retirement are when the biggest tax decisions get made — or missed.
- IRA-to-Roth timing
- Social Security strategy
- Avoiding Medicare surcharges
Retirees
Protecting wealth
Retirees
Required withdrawals from your retirement accounts are adding income to your tax return — the question is how much the IRS gets.
- Required withdrawal planning
- Smart withdrawal order
- Estate protection
Business Owners
Planning your exit
Business Owners
Selling a business is a one-time event with permanent tax consequences.
- Exit tax strategy
- Succession planning
- Business structure review
Widows & Survivors
Life transition
Widows & Survivors
Your tax filing status changes from married to single — but your accounts and required withdrawals don't shrink to match.
- Surviving spouse tax changes
- Account consolidation
- Benefit review
Every Decision Shows Up on Your Tax Return
From financial planning to tax strategy and everything in between — our guidance is designed to help you find your freedom.
Retirement Planning
When pieces aren't coordinated, people don't just pay more — they lose options.
Learn More
Tax Strategy
Doing nothing with taxes is still a decision — and it's often the most expensive one.
Learn MoreInvestment Management
Portfolios built for retirement — designed to handle market drops when you're living off the money.
Learn MoreMedicare Planning
Your income decisions today set your Medicare costs two years from now.
Learn MoreEstate & Trust Planning
The SECURE Act changed the rules. Most heirs now have 10 years to empty inherited accounts.
Learn MoreLong-Term Care
Hybrid strategies protect without wasting premiums if you never need care.
Learn More
Rich Ison
"You don't need to agree with everything I say. You just need to know whether or not this applies to you."
Most retirement planning focuses on one thing at a time. Rich's approach is built around coordination — making sure your investments, taxes, insurance, and estate plan actually talk to each other.
His job isn't to scare you or sell you something — it's to move you from uninformed to informed, so you can make decisions with clarity.
The 5 Tax Surprises Most Retirees Never See Coming
Tax-deferred doesn't mean tax-free — it means tax-undecided. This guide reveals the five moments in retirement where taxes compound silently, and what informed people do differently.
- The Silent Partner — why you don't own all of your IRA
- Income Stacking — how RMDs push you into higher brackets without spending more
- The Widow's Penalty — higher taxes on less income at the worst time
- IRMAA — the Medicare surcharge triggered by your tax return two years ago
- The Roth Window — why the years between retirement and age 73 matter most
Determine Whether This Applies to You
The strategy session is educational, specific to your tax return, and focused on options — not products. Bring your tax return and retirement statements. That's where the real answers live.
Your Personal Tax Strategy Session
Free. Educational. No obligation.
[Broker-Dealer/RIA Name] is a [Registered Investment Adviser / Broker-Dealer], FINRA/SIPC. [Representative Type] of [BD/RIA], Member FINRA/SIPC. Protective Wealth Advisors and [BD/RIA Name] are separate entities.
Securities and advisory services offered through [BD/RIA Name]. CRD# [Number]. Rich Ison is a registered representative and/or investment adviser representative. Insurance products offered through [Insurance Entity].
This site is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or advisory service. All investments involve risk, including loss of principal. Past performance does not guarantee future results. Tax, legal, and estate planning information is general in nature. Consult a qualified professional for advice specific to your situation.
Check the background of your financial professional on www.adviserinfo.sec.gov or brokercheck.finra.org.