The “Zero-Tax” Strategy: How to Pay $0 Taxes on Your Social Security
Confused by Social Security?
Is it possible to pay zero taxes on your benefits? Yes. But it requires precise income structuring.
The Magic Numbers
Your Combined Income must be below $25,000 (Single) or $32,000 (Married).
The Secret: Roth IRA
Roth IRA withdrawals do not count toward Combined Income. You can live on $80k/year (via Roth) and look like you earn $0 to the Social Security tax formula.
Want a tax-free retirement?
We can model your Roth/IRA mix to see if you can achieve the Zero-Tax Strategy.
How to Get There
This requires building Roth assets or doing strategic conversions in your gap years.
About Author
Ray R. Harris
Ray R. Harris, RSSA®, partners with tax and legal professionals to provide specialized Social Security claiming analysis for high-net-worth clients aged 58–70. A former executive with an MBA and background in Finance, Ray mitigates liability for his partners by ensuring their clients optimize spousal benefits, tax efficiency, and lifetime income.
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