01
Free tax return review
Send your most recent return. We review it line by line and show you where you stand: your bracket, how your Social Security is taxed, Medicare premium thresholds, and opportunities you may be missing.
Virtual tax practice · Enrolled Agent
Your retirement deserves a tax plan, not just a tax return.
Tax preparation and planning for people approaching or living in retirement. It starts with a free, no-obligation review of the return you already filed.
100% virtual, by phone or video
Secure document upload
Services
Tax work built around retirement decisions
The biggest tax decisions in retirement happen before the return is filed. We help you see them coming and understand the tax cost of each choice.
02
Tax preparation
Individual federal and state returns, prepared and filed electronically. Pensions, IRA distributions, Social Security, investment income, and foreign accounts are routine here.
03
Tax planning
Year-round projections so there are fewer surprises in April. Bracket management, estimated payments, required minimum distributions, and timing of income.
04
Pension lump sum vs. annuity
A side-by-side look at how each payout option is taxed, this year and over time, so you understand the tax side before you sign your election form.
05
Roth conversions
How much could you convert while staying in your current bracket? We model the tax cost, the effect on Medicare premiums, and the timing across several years.
06
IRS letters and notices
Got a letter from the IRS? As an Enrolled Agent, Steven can respond on your behalf and represent you before the IRS, so you don't have to handle it alone.
Tax planning questions sound like…
- Am I paying too much in taxes?
- How do my investment decisions affect my tax bill?
- When will tax rates go up?
- Should I convert my IRA to a Roth?
- What accounts should I draw from?
The free review
A second look at the return you already filed
Most people never see what their own tax return is telling them. We translate it into plain English and point out what is worth a closer look. There is no cost and no obligation.
Request my free tax review Results depend on your individual situation. A review is not a guarantee of tax savings.- Your bracket and the room above itHow much more income you could take before moving into the next bracket.
- How your Social Security is taxedWhat share of your benefit is taxable, and what drives it.
- Medicare premium (IRMAA) exposureWhether your income is close to a level that raises Medicare premiums.
- Roth conversion opportunityWhether a conversion is worth exploring, and roughly how much.
- Items worth a second lookDeductions, credits, or reporting issues that may have been missed.
How it works
Three steps, all from home
1
Send your return
Call, email, or book a time. We will send you a secure link to upload last year's tax return.
2
We review it
Your return is reviewed line by line, and you receive a short written summary of what we found.
3
We talk it through
A phone or video call to walk through the findings and answer your questions. What you do next is up to you.
About
Steven Floyd, EA
Steven Floyd is an Enrolled Agent, enrolled to practice before the Internal Revenue Service. He has held his Enrolled Agent license and prepared individual returns for more than 25 years, and he helps people approaching retirement understand the tax side of their biggest decisions.
Floyd Financial Services is a virtual practice. Clients work with Steven directly by phone, video, and secure upload, wherever they live.
Enrolled AgentEnrolled to practice before the IRS
25+ yearsEnrolled Agent and preparing returns
VirtualClients anywhere in the U.S.
Verify Steven's credentials
You can confirm Steven's Enrolled Agent status yourself in the IRS Directory of Federal Tax Return Preparers. Search last name Floyd, state California, and look for Steven Floyd with EA listed.
Verify on IRS.govQuestions
Common questions
Is the review really free?
Yes. There is no charge and no obligation. If you decide you would like help with preparation or planning, fees are explained up front before any work begins.
Do I need to live nearby?
No. Everything is done by phone, video, and secure upload, so you can work with us from anywhere in the United States.
What do I need to send?
Your most recent federal tax return, including all pages and schedules. A state return is helpful if you have one.
Is my information secure?
We send you a secure upload link for your documents, so there is no need to email your return.
Do you sell investments or insurance?
No. Floyd Financial Services provides tax preparation and tax planning only. We do not sell investment or insurance products through this practice.
Get started
Request your free tax return review
Call, email, or book a short introductory call. We will send a secure link for your return.
Phone: (424) 371-8377
Email: steven@stevenfloyd.net
Based in the Los Angeles area · serving clients virtually