→
Tax decisions changed with retirement
For clients managing retirement income, distributions, Social Security, pensions, estimated taxes, trusts, and other tax considerations.
Review the tax picture
Chino, California · Serving retirees, families, and trustees
Retirement can reduce the paycheck without reducing the paperwork.
David De Koekkoek helps clients coordinate tax filings, personal financial records, recurring obligations, and trustee reporting through the years when organization matters most.
CFP® ProfessionalEnrolled Agent30+ Years of ExperienceTax, Retirement & Trust Support
Core positioning
The work of managing a financial life does not retire when the client does.
Retirement can introduce or intensify responsibilities across multiple areas. Not every client needs every service — but every client deserves an organized, clear approach to the work that remains. Tax & Retirement Services is committed to providing a complete range of professional tax services and the personalized client service that earns the role of trusted advisor.
Multiple income sources
Estimated taxes
Required distributions
Medicare-related tax thresholds
Trust activity
Recurring bills
Account reconciliation
Financial reporting
Coordination with family members or trustees
Three client pathways
The right path depends on where the work is getting difficult.
→
Monthly financial administration needs support
For clients seeking help with bill payment, account reconciliation, personal bookkeeping, record organization, and recurring financial reports.
Discuss ongoing support→
A trustee or family member is coordinating the work
For authorized representatives who need organized records, reporting, tax-return coordination, and a clear division of responsibilities.
Coordinate the responsibilities
About David
David De Koekkoek works across the boundary where tax planning becomes financial administration.
A CFP® Professional and Enrolled Agent with more than three decades of experience, David helps retirees, families, and trustees manage the tax, recordkeeping, and financial-administration responsibilities that continue through retirement.
The CFP® designation reflects comprehensive education in financial planning. The Enrolled Agent credential is a federal license to represent taxpayers before the IRS. Together, they support a practice focused on practical, organized client care.
Retirement administration
Someone still has to reconcile the account after the automatic payment clears.
We provide practical, verified support for clients who need help keeping household finances organized and accurate.
Monthly bill payment
Bank and credit-card reconciliation
Loan-statement reconciliation
Personal bookkeeping
Quarterly or annual financial reports
Financial-account monitoring within the authorized scope
Reporting to appointed trustees
Coordination with powers of attorney
Individual and trust tax returns
Important safeguards
- Some activities require written authorization before work begins.
- Service scope varies by engagement and is confirmed in writing.
- The firm does not take control of client assets unless expressly permitted and legally authorized.
- Investment custody, legal advice, and fiduciary appointments are separate matters.
Retirement tax calendar
Retirement has deadlines that do not arrive in one envelope.
A simple timeline of potentially relevant events. Applicability and dates vary by client and current law.
Q1
Estimated-tax reviews
Spring
Required minimum distribution timing
Mid-year
Medicare and IRMAA planning windows
Q1/Q2
Trust tax deadlines
Fall
Charitable-giving review
Q4
Year-end tax projections
Year-round
Tax-document collection
Tax season
Return preparation
Families & trustees
When several people are helping, the first task is deciding who owns each responsibility.
We help authorized participants coordinate without sharing information beyond what the client has expressly permitted in writing.
Document collection
Bill-payment records
Account reconciliations
Tax information
Trustee reports
Recurring deadlines
Communication permissions
Professional referrals
Common starting points
The need often begins with one missed task — and reveals a system that needs rebuilding.
A retiree no longer wants to manage monthly financial paperwork
An adult child is helping a parent organize records
A surviving spouse is taking over unfamiliar responsibilities
A trustee needs consistent financial reporting
Retirement income has created unexpected tax exposure
Personal and trust returns need coordination
Several advisors hold separate pieces of the financial picture
Process
Inventory the responsibilities before assigning the work.
Step 01
Identify the parties
Confirm the client, authorized representatives, trustees, and other professionals.
Step 02
Map the responsibilities
List recurring payments, accounts, reports, returns, and deadlines.
Step 03
Define the authority
Document exactly what the firm may access or perform.
Step 04
Establish the routine
Create a secure schedule for records, reconciliations, and communication.
Step 05
Review the system
Revisit the arrangement as tax laws, health, family, or financial circumstances change.
Trust and safeguards
The more practical the access, the more explicit the safeguards must be.
Encrypted document exchange
Written authorization requirements
Role-based access
Confidentiality policies
Dual review or approval procedures where used
Clear record retention
Professional liability safeguards
Current credentials and affiliations
Only controls the firm actually uses are published here. If an important safeguard is not currently available, it is flagged for implementation rather than claimed as active.
Client experience
The system should work for the client who prefers paper and the family member who needs secure digital access.
In-person and remote appointment options
Secure document upload
Electronic signatures
Tax organizers
Permission-based representative access
Invoice payment
Deadline reminders
Engagement updates
Accessible phone support
Paper alternatives where offered
The website is designed for older users with readable typography, strong contrast, generous touch targets, and plain-language instructions. If you need an accommodation, please let us know.
Start the conversation
List the financial tasks that cannot be allowed to drift. Start there.
Tell Tax & Retirement Services what is becoming difficult to manage, who is currently involved, and which deadlines are approaching.