✅ Retirement Income & Accounts
- ☐ Review RMD calculations and withdrawals
- ☐ Confirm correct withholding on distributions
- ☐ Evaluate Roth conversions completed in 2025
- ☐ Check for Medicare premium increases tied to income
- Improper coordination can reduce Georgia retirement income exclusions — review withdrawals and conversions together.
- Utah retirees should focus on smoothing income across years, since state rates don’t buffer federal income spikes.
✅ Investments & Capital Gains
- ☐ List all asset sales and realized gains/losses
- ☐ Identify missed loss harvesting opportunities
- ☐ Determine whether gains affected deductions or Medicare premiums
- ☐ Coordinate investment strategy for smoother future income
- Utah’s Flat tax does not mean flat consequences — capital gains can still trigger federal ripple effects.
- Coordinating capital gains with Georgia retirement exclusions can reduce total tax — but only if reviewed early.
