Tax preparation and IRS help in Sun City West, Arizona
Brad Segal is a federally licensed Enrolled Agent working with Sun City West individuals, families, and small businesses — by phone, by video, or in person when you'd rather sit down together.
Tax work for Sun City West
Sun City West is a retirement community, and retirement tax work is its own discipline. The income is often fixed, but the taxable portion of it is surprisingly flexible — and small timing decisions move Medicare premiums, Social Security taxation, and capital gains rates all at once.
This is planning work more than filing work, and it is best done in the fall, not in April.
Serving Sun City West, AZ 85375
Who I work with in Sun City West
Retirees taking distributions
Required minimum distributions, pension and annuity income, and withholding set so nothing is a surprise.
Households managing Medicare thresholds
IRMAA surcharges are cliffs, not slopes. Crossing one by a few hundred dollars costs real money for a full year.
Charitable and legacy giving
Qualified charitable distributions, donor-advised funds, and gifting strategies that actually reduce the tax bill.
Sun City West questions
What is a qualified charitable distribution?
A direct transfer from your IRA to a charity that counts toward your RMD but never appears in your income. For people who give and no longer itemize, it is frequently the single best move available.
How do I keep my Medicare premium from jumping?
Watch modified AGI two years before the premium year and manage what pushes it up — Roth conversions, large distributions, and capital gains. Planning before December is the whole game.
Do I still need to file if I only have Social Security?
Often not, but it depends on your other income. And there are years when filing anyway is to your advantage.
More answers on the FAQ page.
Let's talk about your taxes.
Sun City West clients get the same thing everyone does: a free first conversation and a straight answer about what your situation involves.