Serving Retirees in 11 States
Headquartered in St. Petersburg, Florida, Retirement Income Planning Florida has helped families build guaranteed retirement income since 1986. We serve clients in eleven states by phone and video—same fiduciary-minded service, no matter where you call home.
Where our team Can Help You
Every state listed below has unique tax treatment for retirement income. John structures plans to maximize what you keep.
Florida
Our headquarters since 1986. St. Petersburg office serves Greater Tampa Bay. Annuities, IUL, and FRC federal benefits.
✓ No state income tax
Texas
Serving Houston, Dallas, Austin, and San Antonio. Specializing in converting 401(k) and pension assets into lifetime income.
✓ No state income tax
Tennessee
Nashville, Knoxville, and Memphis area clients. Fixed index annuities and guaranteed income riders a specialty.
✓ No state income tax
Ohio
Columbus, Cleveland, and Cincinnati. STRS and OPERS pension integration, Roth conversions, and income-gap planning.
▲ Retirement-friendly tax rates
Pennsylvania
Philadelphia, Pittsburgh, and Harrisburg. Retirement income from annuities and pensions is not taxed by the state.
✓ Retirement income exempt
Maryland
Baltimore to Bethesda. Strong federal retiree population—FERS, TSP, and Social Security coordination plus pension exclusion.
▲ Pension exclusion available
Michigan
Detroit, Grand Rapids, and Lansing. Auto-industry pension planning, 401(k) rollovers, and income structuring.
▲ Retirement-friendly tax structure
Wisconsin
Milwaukee, Madison, and Green Bay. Coordinating Social Security, pension, and annuity income streams for maximum efficiency.
▲ Retirement-friendly tax structure
Nevada
Las Vegas, Henderson, and Reno. Zero state income tax, no estate tax, and no inheritance tax—a strong base for retirees.
✓ No state income or estate tax
Indiana
Indianapolis, Fort Wayne, and Bloomington. PERF and TRF pension integration with tax-efficient annuity income.
▲ Low flat income tax rate
Idaho
Boise, Meridian, Coeur d’Alene, and Idaho Falls. Social Security exemption, public-pension deduction, and no estate tax.
✓ SS exemption + no estate tax
Florida Tax Savings vs Your State
Florida has zero state income tax. See how much you could save over your retirement by relocating—or by structuring income through our team while living in a higher-tax state.
Estimated state income tax rate on retirement income
Include pension, 401(k) withdrawals, IRA distributions
Default: 20 years
* Estimates use the flat/effective state rates shown. Actual tax may vary based on filing status, deductions, and state-specific retirement-income exemptions. This tool is for illustrative purposes only and does not constitute tax advice.
Not Sure Which Strategy Fits Your State?
Book a complimentary 1 hour call. John will analyze your state-specific tax situation and build a plan around it.