4.9834 reviewsNow serving all of California
Retire onyour ownterms.
Retirement plans, Roth conversions, Social Security timing, and withdrawals, planned so your savings keep more of what you earned.
- “Best tax preparation service I have used. Mauricio really takes care of his clients.”Juan M.
- “Mauricio literally saved the day and was so accommodating to my last minute requests.”Christine H.
- “I don't know how I would do it without Mauricio and his team.”Rafael R.
- “Alondra is amazing! She took the time to explain everything to me in detail.”Valerie M.
- “Mauricio will educate you on how to save money on your taxes and do it RIGHT!”Chelsea J.
- “Thank you for your patience, expertise, and easygoing professionalism throughout tax season.”Danielle C.
- “Mauricio did an excellent job walking me through the tax filing process being a property owner.”Cynthia R.
- “Mauricio, is amazing! Very knowledgeable & professional.”Ron B.
- “Mauricio and his team is the Best in the tax industry!”Marisol V.
- “Professional, and easy place to get your taxes done!! Recommended.”Donald S.
- “I cant express how happy I am with Mauricio and his team.”Peter F.
- “Both Christian and Mauricio were great.”Javier P.
- “Mauricio did an amazing job helping us with our taxes.”Theresa B.
- “Mari was so knowledgeable.”Teresa
- “Mauricio and Alondra were of great help!”Drew
- “Mauricio and his team are amazing.”Lizbeth P.
How can MM.TAX help with retirement tax planning?
We size 401(k), SEP, and defined benefit contributions to your cash flow, plan Roth conversions, and time withdrawals and Social Security to keep more of what you've saved. It's tax-focused retirement planning that works with your financial advisor. Online anywhere in California.
Updated November 2026. Serving all of California online.
What we handle
Everything it takes to get this right.
401(k) and profit-sharing plans
Plan design and contribution strategy for business owners.
SEP and SIMPLE IRAs
Tax-advantaged plans for the self-employed and small businesses.
Defined benefit plans
Large annual deductions and faster savings for high-earning owners.
Roth conversions and RMDs
Converting in lower brackets and managing required distributions.
Social Security timing
Claiming strategy and spousal coordination.
Withdrawal strategy
Which accounts to draw from, in what order, and when.
What's included
What you get with retirement planning.
What you'll get
- A retirement readiness and tax review
- Plan design for 401(k), SEP, SIMPLE, or defined benefit
- A multi-year Roth conversion and withdrawal roadmap
- Social Security claiming analysis
- An annual review as rules and income change
What to have ready
Don't have it all? Call anyway. We'll help you gather it.
- Retirement account statements
- Your Social Security statement
- Business income and payroll details, if self-employed
- Your target retirement age and income goal
How pricing works
Every engagement is a flat fee, quoted in writing after your free 30-minute consult. No hourly billing, no surprise invoices. You'll know the full cost before any work begins.
Get my flat-fee quote
Who we help
Built for situations like yours.
Owners nearing retirement
Turning business value into retirement income.
High earners maxing out contributions
Bigger deductions through advanced plans.
Retirees
Withdrawal order, Roth opportunities, and Social Security timing.
The process
How it works.
- 01
Readiness review
Assets, contributions, projected Social Security, and timeline.
- 02
Plan design
The right plan structure and contribution levels.
- 03
Multi-year roadmap
Conversions, distributions, and claiming mapped year by year.
- 04
Annual review
Adjusted as your life and the tax rules change.
- direct access to your advisor
- 1:1
- direct access to your advisor
- average rating across 834 Google and Yelp reviews
- 4.9
- average rating across 834 Google and Yelp reviews
- years serving California owners and families
- 25+
- years serving California owners and families
Online, statewide
Start online. From anywhere in California.
No office visit, no waiting room. Our online team handles everything by phone and video, with secure upload and e-signature.
- 01
Call or book
Talk to the online team today, or book a free 30-minute consult.
- 02
Upload and sign
Send documents securely and e-sign from your phone or computer.
- 03
We take it from here
We handle the work and the IRS, and keep you updated.
Most clients start with a call
Call nowThe online team answers your questions, looks at your situation, and books your free consult. English and Spanish.
In-person meetings with the owner are by appointment only, for complex or high-value matters, with a $250 consultation fee.
Client voices
From clients who've been there.
Free 30-minute retirement review to find tax savings and gaps.
Common questions
Straight answers.
When should I start retirement tax planning?
Ideally 10 or more years before you retire, but it's never too late. Even in retirement, withdrawal order and Roth conversions can change your lifetime tax bill.
Can I really get large tax deductions through retirement plans?
Business owners often can. Defined benefit and 401(k) profit-sharing plans can allow much larger deductible contributions than an IRA. Whether it fits depends on your income, age, and employees.
What is a Roth conversion and why would I do one?
Moving money from a traditional account to a Roth and paying tax now, usually in a lower-income year, so future growth and withdrawals are tax-free.
How do you handle Social Security timing?
We model claiming ages for you and your spouse alongside your other income to find the timing that fits your plan.
How do you charge?
A flat fee quoted in writing after a free 30-minute retirement review.
Service area
Serving clients online across California
Same team and same standards, wherever you are. No office visit needed.
Get started
See where your retirement plan stands.
Free 30-minute retirement review to find tax savings and gaps.