Tax Services for Orlando-Area Seniors

Tax preparation for retirement income, Social Security, and RMD planning with a focus on security and ease of use.

Retirement brings unique tax considerations, especially in Florida. We help seniors navigate Social Security taxation, Required Minimum Distributions (RMDs), and pension income. Our approach focuses on security, clarity, and guided support for those who prefer a more personal touch with their digital filings.

Avoid RMD Penalties and Missed Deadlines

The IRS is strict about RMDs. We provide year-round monitoring and precise calculations to ensure you meet your distribution requirements on time, every time.

Our Specialized Services

Retirement Income Reporting

Proper reporting of 401(k), IRA, pension, and annuity distributions. We ensure all retirement income is correctly reported and taxed at the appropriate rates.

Social Security Taxation

Calculation of taxable Social Security benefits based on your provisional income. We help optimize retirement income to minimize Social Security taxes.

RMD Planning

The IRS penalty for missing an RMD can be significant (reduced for withdrawals corrected in a timely manner). We help you calculate required distributions from your accounts so you can take them on time.

Medicare & Medical Deductions

We help you maximize medical expense deductions, including Medicare Part B/D premiums and long-term care costs, once they exceed the 7.5% AGI threshold.

Florida-Specific Benefits

For our Orlando and Florida clients, we provide guidance on how your income levels affect benefits like the Senior Homestead Exemption in Orange and Seminole counties.

Investment Income Reporting

Reporting of interest, dividends, capital gains, and mutual fund distributions. We provide cost basis tracking and loss harvesting strategies.

Technology with a Human Touch

We use a secure, encrypted portal to protect your Social Security number and financial data from identity theft. If you're hesitant about using a digital system, we offer guided onboarding to walk you through the upload process.

  • Bank-level encryption for your documents
  • No more unsecure email attachments
  • Phone support for document uploads

Common Questions for Florida Seniors

Is Social Security taxable in Florida?
While Florida has no state income tax, your Social Security benefits may still be subject to federal income tax. Up to 85% of your benefits may be taxable depending on your "provisional income." We help you calculate this to avoid surprises at tax time.
What is the penalty for missing an RMD?
The penalty for failing to take a Required Minimum Distribution is 25% of the amount that should have been withdrawn. This can be reduced to 10% if corrected quickly. We prioritize RMD calculations to ensure our clients never face these penalties.
Can I deduct my Medicare premiums?
Medicare Part B and Part D premiums are qualifying medical expenses. If your total medical expenses exceed 7.5% of your adjusted gross income, these premiums become deductible. We review your long-term care insurance and other costs to hit this threshold.
What is the Orlando Senior Homestead Exemption?
In Orange and Seminole counties, seniors 65+ with limited household income may qualify for an additional homestead exemption on their property taxes. While we don't file property taxes, we help you understand the income requirements to maintain eligibility.
I'm not comfortable with computers. How do I send my documents?
We offer guided onboarding for our senior clients. While we use a secure portal for identity protection, we can walk you through the process step-by-step over the phone to ensure your documents are uploaded safely.

Secure Your Retirement Income

Begin our secure intake process or schedule a consultation to review your RMD requirements and Florida tax benefits.

Start Secure IntakeSchedule Consultation

Age 65+ Basic Return — $175

Seniors pay our simple-return rate even when the return includes retirement income. The $175 basic return covers:

  • Social Security benefits (SSA-1099), pensions, and IRA distributions (1099-R), including RMDs
  • W-2 wages if you are still working, plus interest and dividend income
  • The standard deduction, the age-65 additional amount, and the up-to-$6,000 senior deduction (2025–2028, income limits apply) — we check every one
  • E-filing with direct deposit, and a copy of your return in plain language

Quoted separately when they apply: itemized deductions (including medical expenses), investment or stock sales, rental or business income, multi-state returns, and amended or prior-year returns. You always get the written quote before we start.

Related Articles

Required Minimum Distributions →Retirement Account Withdrawals →Understanding Your 1099-SSA →Medicare and Medical Expenses →Social Security Benefits Taxation →