Retirement Planning




Perez-Roura Law helps clients in Miami create retirement plans that integrate income strategies, asset protection, and estate planning. We offer legal solutions for IRAs, pensions, long-term care planning, and preserving wealth through retirement and beyond.

Planning for retirement is about more than saving and investing—it’s about securing the lifestyle and legacy you worked for. At Perez-Roura Law, we help Miami residents prepare for retirement by crafting legal strategies that balance income, protection, and transition. We guide you through complex issues like optimizing IRA or 401(k) distributions, minimizing tax exposure, protecting assets from long-term care costs, and ensuring your estate plan reflects your goals. Whether you’re approaching retirement or already there, our tailored legal support helps you navigate important decisions with confidence and clarity.

Designing Your Retirement Income Strategy

One of the most critical aspects of retirement planning is establishing a sustainable income stream. Perez-Roura Law helps clients determine the optimal timing and method to withdraw from IRAs, pensions, Social Security, and investment accounts. We carefully evaluate your sources of income, tax brackets, and life expectancy to create a withdrawal plan that minimizes taxes and maximizes longevity. For clients holding annuities or deferred compensation, we assist in contract reviews and timing strategies. Our goal is to build a retirement income approach tailored to your lifestyle and financial landscape while ensuring legal compliance and tax efficiency.

Protecting Retirement Assets from Long-Term Care Costs

Healthcare and long-term care expenses pose one of the biggest risks to retirement savings. Our legal planning includes asset protection tools such as irrevocable trusts, Medicaid qualifying strategies, and life estate transfers tailored to Florida law—and the five-year Medicaid look-back rule. We assess your resources and help structure finances so that necessary care can be afforded without depleting everything you’ve built. By implementing these protections, we help preserve your retirement assets for you and future beneficiaries.

Coordinating Retirement with Estate and Legacy Planning

Retirement planning should align with your overall estate plan. We work with clients to harmonize beneficiary designations on IRAs, 401(k)s, and life insurance with wills and trusts. This coordination ensures that assets transfer according to your wishes and avoids probate delays or unintended tax burdens. Whether your goal is to leave a charitable gift, support loved ones, or fund legacy projects, we craft integrated estate strategies that ensure your retirement savings fulfill your long-term vision.

Minimizing Taxes on Retirement Withdrawals

Taxes can significantly impact the size and duration of your retirement nest egg. Perez-Roura Law creates legal grounding for tax-efficient strategies like Roth conversions, strategic withdrawals, and distribution timing. We analyze current and projected tax situations to determine when and how to access funds in a way that keeps more of what you’ve saved. For clients with mixed account types—taxable, tax‑deferred, and tax‑exempt—we provide tailored guidance to coordinate withdrawals and reduce overall tax exposure over time.

Special Considerations for Pre-Retirees and Retirees in Transition

Approaching retirement is a time of significant change, and legal planning needs tend to shift. We help clients review and update legal documents—such as powers of attorney, healthcare directives, and trust provisions—to reflect new circumstances. If relocating or downsizing, we guide transition across Florida’s homestead protections and beneficiary transfers. For retirees considering part-time work, business interests, or relocation, we advise on how these decisions affect your retirement plan and legacy ambitions—ensuring your legal strategy evolves with your life.

Choosing the right legal partner can elevate your retirement experience. Perez-Roura Law offers Miami clients a holistic retirement planning service that combines income design, asset protection, tax strategy, and legacy coordination—backed by clear, compassionate legal support.