Shotwell Rutter Baer Financial Planners

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Shotwell Rutter Baer Financial Planners Independent, fee-only registered investment advisory firm.

Join us at the “kitchen table” as we help you cut through the complexity of your financial lives with practical and uncomplicated financial planning and investment advice.

10/09/2026

Can you really pay 0% federal tax on long-term capital gains?

In some situations, yes.

In this short, Nick Nauta and Cole Williams explain how the 0% long-term capital gains bracket may create an opportunity to realize gains in a taxable brokerage account without paying federal capital gains tax on those gains.

The strategy can also help increase your cost basis, which may reduce taxable gains later. Your income, state taxes, and overall tax picture still matter, so careful planning is important.

Watch the full episode here: [https://srbadvisors.com/s5e22-taxes-and-your-retirement-income-plan/

Need Help With Taxes and Your Retirement Income?

Contact SRB today at 517-321-4832 or email us at [email protected].

Subscribe to Kitchen Table Finance for more bite-sized financial and retirement tips: https://www.youtube.com/

10/08/2026

What if most of your retirement money is sitting in the same type of account?

If nearly everything is in a pre-tax 401(k) or IRA, that does not mean your retirement plan is in trouble. It simply means tax planning may play a bigger role in deciding how and when you take income.

In this short, Nick Nauta explains why having different tax buckets can create more flexibility, and why there may still be opportunities to improve your mix even after retirement begins.

Watch the full episode here: https://srbadvisors.com/s5e22-taxes-and-your-retirement-income-plan/

Need Help With Taxes and Your Retirement Income?

Contact SRB today at 517-321-4832 or email us at [email protected].

Subscribe to Kitchen Table Finance for more bite-sized financial and retirement tips: https://www.youtube.com/

10/07/2026

When should tax planning become part of your retirement conversation?

Ideally, well before retirement. The earlier you start thinking about how your money is divided among pre-tax, Roth, and taxable accounts, the more flexibility you may have later.

But if retirement is only a few years away, or you have already retired, there may still be planning opportunities. The key is understanding which accounts you have, how withdrawals may be taxed, and where tax diversification could help.

Watch the full episode for more on retirement income and tax planning: https://srbadvisors.com/s5e22-taxes-and-your-retirement-income-plan/

Need Help With Taxes and Your Retirement Income?

Contact SRB today at 517-321-4832 or email us at [email protected].

Subscribe to Kitchen Table Finance for more bite-sized financial and retirement tips: https://www.youtube.com/

10/06/2026

Where your retirement money is held can change how it is taxed when you need it.

In this clip, Cole Williams breaks down three common account types: pre-tax retirement accounts, Roth accounts, and taxable accounts. Knowing how each bucket works can help you see where future retirement income may come from.

Watch the full episode here: https://srbadvisors.com/s5e22-taxes-and-your-retirement-income-plan/

Need Help With Taxes and Your Retirement Income?

Contact SRB today at 517-321-4832 or email us at [email protected].

Subscribe to Kitchen Table Finance for more bite-sized financial and retirement tips: https://www.youtube.com/

10/02/2026

Are you still withholding Michigan taxes from your pension or IRA?

With Michigan’s retirement tax rules changing, some retirees may want to review how much they are withholding. That does not mean stopping withholding automatically. It means checking whether the amount still fits your current tax situation.

Watch the full episode to hear Nick Nauta and Matt Cooper discuss what retirees should consider: https://srbadvisors.com/s5e21-is-your-retirement-income-taxed-by-the-state-of-michigan/

Need help with your retirement planning? Contact SRB today at 517-321-4832 or email us at [email protected].

Subscribe to Kitchen Table Finance for more practical financial and retirement tips.

10/01/2026

How does Michigan treat your Social Security income in retirement?

In this clip, Nick Nauta and Matt Cooper explain how Social Security fits into Michigan taxes and why it is handled differently from other retirement income.

Watch the full episode for more on pensions, IRAs, Roth conversions, annuities, and retirement taxes: https://srbadvisors.com/s5e21-is-your-retirement-income-taxed-by-the-state-of-michigan/

Need help with your retirement planning? Contact SRB today at 517-321-4832 or email us at [email protected].

Subscribe to Kitchen Table Finance for more practical financial and retirement tips.

09/30/2026

A Roth distribution and a Roth conversion may sound similar, but they can have very different tax consequences.

Matt Cooper joins Nick Nauta to explain why this distinction matters when planning retirement income and taxes in Michigan.

Watch the full episode to hear their discussion of Roth accounts, retirement distributions, and Michigan taxes: https://srbadvisors.com/s5e21-is-your-retirement-income-taxed-by-the-state-of-michigan/

Need help with your retirement planning? Contact SRB today at 517-321-4832 or email us at [email protected].

Subscribe to Kitchen Table Finance for more practical financial and retirement tips.

09/29/2026

Michigan has changed how it taxes retirement income, but that does not mean every retirement dollar is automatically tax-free.

In this clip, Nick Nauta and Matt Cooper discuss Michigan’s retirement income deduction and why the type and amount of retirement income still matter.

Watch the full episode to learn what Michigan retirees should consider when planning their income and taxes: https://srbadvisors.com/s5e21-is-your-retirement-income-taxed-by-the-state-of-michigan/

Need help with your retirement planning? Contact SRB today at 517-321-4832 or email us at [email protected].

Subscribe to Kitchen Table Finance for more practical financial and retirement tips.

09/03/2026

Retirement income does not always fit neatly into one withdrawal percentage.

If you retire before starting Social Security, you may need more from your investments during those early years. Once Social Security begins, the amount you need from your portfolio may fall.

Dave and Nick explain why looking at your income needs over time can give you a better picture than relying on one withdrawal percentage throughout retirement.

Watch the full episode to learn more about planning your income as a State of Michigan employee. https://youtu.be/u6xmUTOYL_k?si=yXxjdWfb8ajX0vnC

Need Help Planning Your Retirement from the State of Michigan?

For over 25 years, we've specialized in retirement planning for Michigan's state employees. We understand the intricacies of 401(k) and 457 plans, state pension systems, and healthcare coverage transitions. We've guided hundreds of state workers through the exact decisions you're facing right now.

Contact SRB today at 517-321-4832 or email us at [email protected]

Resources

Specialized financial planning for State of Michigan employees who want to make the most of their benefits and retire with confidence. https://srbadvisors.com/state-of-michigan-employees/

Subscribe to Kitchen Table Finance for more practical retirement and financial planning conversations.

09/02/2026

Waiting longer to claim Social Security can mean a larger monthly benefit, but that does not automatically make age 70 the right choice for everyone.

Your other retirement income, investments, spending habits, and comfort with portfolio withdrawals can all play a role. Dave and Nick discuss why Social Security timing should be considered as part of your complete retirement income plan.

Watch the full episode to learn more about planning your income as a State of Michigan employee. https://youtu.be/u6xmUTOYL_k?si=yXxjdWfb8ajX0vnC

Need Help Planning Your Retirement from the State of Michigan?

For over 25 years, we've specialized in retirement planning for Michigan's state employees. We understand the intricacies of 401(k) and 457 plans, state pension systems, and healthcare coverage transitions. We've guided hundreds of state workers through the exact decisions you're facing right now.

Contact SRB today at 517-321-4832 or email us at [email protected]

Resources

Specialized financial planning for State of Michigan employees who want to make the most of their benefits and retire with confidence. https://srbadvisors.com/state-of-michigan-employees/

Subscribe to Kitchen Table Finance for more practical retirement and financial planning conversations.

Address

6350 West Michigan Avenue Suite 200
Lansing, MI
48917

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

Telephone

+15173214832

Website

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