MJ Matta and Associates

MJ Matta and Associates -Helping clients with Tax Effecient retirement planning
-Part of The Elite Power of Zero Advisor Gro

07/15/2026

"Can I retire now?"

It's one of the questions I hear most often from people in their 50s.

The answer isn't based on your age. It's based on your plan.

The truth is, you don’t know until you sit down and look at the numbers. You have to be realistic about your rate of return, understand where your income is coming from, and look at whether there are more tax-efficient ways to structure your retirement.

Because you may be able to retire on less than you think if you’re not giving so much of it back in federal and state income taxes.

Maybe the numbers work this year. Maybe they will work next year. Maybe it takes a little longer. But with the pressure and burnout people are carrying right now, it’s worth finding out.

Don't wait until it's too late.

Put a plan together. Live by the plan. Then enjoy the retirement you've spent a lifetime working toward.

📞 If you're wondering whether retirement is closer than you think, let's have a conversation.

Two retirees can have the exact same investment returns.....and end up with very different retirement incomes.Why?Taxes....
07/12/2026

Two retirees can have the exact same investment returns.....and end up with very different retirement incomes.

Why?

Taxes.

Investment performance matters.

But so does keeping what you've earned.

That's why tax strategy should be part of every retirement conversation.

07/08/2026

Investment returns matter.

Fees matter.

But what often matters even more is your tax strategy.

I've seen people save more money through smart Roth conversion planning and tax-efficient withdrawals than by trying to earn another half-percent in investment returns.

Ask yourself:

Is my advisor only helping me grow my money... or are they helping me keep it?

Happy Fourth of July!As we celebrate 250 years of American independence, I’m grateful for the freedoms we enjoy daily.Th...
07/04/2026

Happy Fourth of July!

As we celebrate 250 years of American independence, I’m grateful for the freedoms we enjoy daily.

Thank you to those who have sacrificed, and continue to sacrifice, to protect those freedoms.

Wishing you and your family a safe and happy Independence Day.

One of the biggest Roth conversion mistakes is waiting too long.Roth conversion strategy isn’t about converting everythi...
06/30/2026

One of the biggest Roth conversion mistakes is waiting too long.

Roth conversion strategy isn’t about converting everything at once. It’s about being intentional with timing, tax brackets, and your long-term retirement income.

In the Power of Zero approach, the goal is to gradually move money from tax-deferred accounts, like 401(k)s and IRAs, into tax-free buckets in a way that makes sense for your plan.

The longer you wait, the fewer options you may have.

A well-timed strategy can help you make decisions now instead of letting the IRS have more control later.

If you want to understand how this could work for your situation, let’s talk.

06/25/2026

📈 Wondering how to start investing your money? The first step is simple: do it for the long run.

Instead of jumping in and out of the market, the key is to keep your money invested so you can capture the stock market's historically strong rates of return.

Want to see exactly how to build the rest of this portfolio using index funds and the 70/30 split? Watch the full video here.

Happy Father’s Day!Today is a good reminder to slow down and spend time with the people who matter most.
06/21/2026

Happy Father’s Day!

Today is a good reminder to slow down and spend time with the people who matter most.

06/19/2026

Most people think bonds are the only way to add stability to a retirement plan.

The reality is there may be other options worth considering.

A fixed indexed annuity can provide growth potential without the same downside risk as the market, while a properly designed Life Insurance Retirement Plan (LIRP) can offer tax advantages, income flexibility, legacy planning, and protection during a long-term care event.

Every situation is different, but understanding your options is an important part of building a retirement strategy that fits your goals.

Have questions about how these strategies work? Let's talk.

Most people have no idea how much money should stay in their IRA by age 72.And that one number can dramatically impact:•...
06/09/2026

Most people have no idea how much money should stay in their IRA by age 72.

And that one number can dramatically impact:
• your taxes in retirement
• your Social Security taxation
• your Medicare premiums
• and how much income you actually keep

David McKnight calls it your “Magic Number” — the ideal IRA balance designed to potentially maximize retirement withdrawals while minimizing taxes.*

Knowing this number can help you better understand:
✔ Roth conversion opportunities
✔ Tax-efficient retirement planning
✔ How to potentially move closer to the 0% tax bracket in retirement

Curious what your number might be?

Try the calculator here:
https://davidmcknight.com/the-magic-number-calculator/

*Results vary based on individual circumstances and current tax law.

06/04/2026

Keeping more of your money in retirement starts with having a tax strategy.

The goal is to make retirement feel easier, with less worry about how much of your income may be lost to taxes.

That’s the kind of planning I help people think through every day for 40+ years.

Address

Dublin, OH

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 7pm
Saturday 8am - 5pm

Telephone

6142077798

Website

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