Noah Ellison, CFP®, MBA

I help Sports Professionals, Business Owners & High-Income Families Build, Protect, & Create a Lasting Legacy | Wealth Advisor @ Retirement Planning Solutions |

[Noah Ellison, CFP®, MBA @EllisonNoah]

Retirement Planning Solutions Disclosures:

Advisory Services offered through Retirement Planning Solutions, LLC. (RPS) an Investment Adviser registered with the U.S. Securities and Exchange Commission. SEC registration does not constitute an endorsement of Retirement Planning Solutions, LLC by the SEC nor does it indicate that RPS has attained a particular level of skill or ability. The company profile is for informational purposes only and its contents should not be construed as a recommendation. The information on this social media site alone cannot, and should not be used in making investment decisions. Investors should carefully consider the investment objectives, risks, charges and expenses associated with any investment. Past performance of investments is no indication of future result Information found on this social media site is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor. Advisory services are only offered to clients or prospective clients where RPS and its representatives are properly licensed or exempt from licensure. No advice may be rendered by RPS unless a client service agreement is in place. Third-party posts that appear on this social media site have not been reviewed or approved by RPS or its principals for completeness or accuracy. Additionally, it should be noted the information that has been posted by third-parties does not necessarily reflect the views or opinions of RPS or its advisers. Some third-party posts may be reviews or testimonials. RPS does not provide compensation for such reviews/testimonials. Reviews and testimonials may not be representative of the experience of other clients. RPS is not responsible for content posted by third parties. RPS and third parties acting on its behalf, reserve the right, to the extent permitted under applicable law, to process, retain and monitor all electronic communications (including personally identifiable information). By sending direct messages and/or posting comments, you consent to such processing, retention and monitoring.

[Noah Ellison, CFP®, MBA @EllisonNoah]

High Income ≠ High Net Worth

You can be earning great money and still have very little to show for it.

Without coordination and a defined plan, money potentially leaks quietly through:
- Taxes
- Misaligned objectives
- Lifestyle creep
- Poor or mismatched investment strategies

Comprehensive wealth management helps to connect the dots between your:
- Cash flow planning
- Financial goals
- Tax strategy
- Estate and legacy plans
- Risk management
- Retirement plans

Building wealth is not determined by what you earn in a single year.

It is about what you keep, and how effectively it compounds over time.

Noah Ellison, CFP®, MBA
Helping you build, protect, and create a legacy

Learn More About RPS: https://t.co/yH8YTjAR3Z
This material is not intended to serve as personalized tax, legal and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Retirement Planning Solutions, LLC is not a legal or accounting firm. Please consult with your legal or tax professional regarding your specific tax situation when determining if any of the mentioned strategies are right for you.

[Noah Ellison, CFP®, MBA @EllisonNoah]

Your financial decisions are only as strong as how they work together.

True comprehensive wealth management means every decision connects across:
- Financial planning to define priorities and direction
- Tax planning to potentially manage the drag on income and returns
- Investment management aligned with goals, timeline, risks
- Risk management to potentially protect against what could derail the plan
- Retirement planning to help build the lifestyle you want
- Estate and legacy planning so you determine
o Where your money goes
o Who is in charge
o What are the rules

No silos. No guesswork. No disconnected advice.

Instead, a clear, integrated plan that coordinates all pieces of the puzzle.

If your finances feel scattered or reactive, it may be time for a more intentional approach.

Noah Ellison, CFP®, MBA
Helping you build, protect, and create a legacy.

Learn More About RPS: https://t.co/yH8YTjAR3Z
This material is not intended to serve as personalized tax, legal and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Retirement Planning Solutions, LLC is not a legal or accounting firm. Please consult with your legal or tax professional regarding your specific tax situation when determining if any of the mentioned strategies are right for you.

[Noah Ellison, CFP®, MBA @EllisonNoah]

Elite performance requires a plan, so does your money.

Challenges may stem from a lack of coordination across financial decisions such as:
- Signing contracts without integrated tax planning
- Making investment decisions without understanding offseason cash flow, risks, and expenses
- Risk exposures not identified or planned for
- Estate plans that are outdated, or nonexistent

These are potential gaps that can emerge when financial decisions live in silos.

Comprehensive wealth management helps to connect every decision so that:
- Taxes are considered proactively, helping to reduce unnecessary drag on earnings and returns
- Cash flow planning helps support your lifestyle year-round
- Investment strategies are aligned with your career timeline, risks, objectives
- Your legacy is potentially protected long after the final whistle

You have trained for years to gain an edge on the field.

Your finances deserve the same level of discipline and intentionality.

Noah Ellison, CFP®, MBA
Helping you build, protect, and create a legacy

Learn More About RPS: https://t.co/yH8YTjBoTx
This material is not intended to serve as personalized tax, legal and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Retirement Planning Solutions, LLC is not a legal or accounting firm. Please consult with your legal or tax professional regarding your specific tax situation when determining if any of the mentioned strategies are right for you.

[Noah Ellison, CFP®, MBA @EllisonNoah]

@TKopelman Couldn’t agree more.

[Noah Ellison, CFP®, MBA @EllisonNoah]

College and professional athletes, business owners, and high-income earners: you may be funding the IRS more than necessary.

At higher income levels, tax-efficiency may become a true source of alpha.

Tax aware-strategies incorporated into your investment plan may help:
- Reduce current tax liability
- Support tax free Roth conversions
- Reduce and/or potentially eliminate future RMDs
- Transfer more assets to family
- Keep more of what you earn

If you’d like a deeper breakdown of how tax-aware strategies may fit into your planning for after-tax optimization, Roth conversions, RMD mitigation, or portfolio diversification, make an appointment and I can share how this type of tax-aware planning works.

Noah Ellison, CFP®, MBA
Helping you build, protect, and create a legacy.

Learn More About RPS: https://t.co/yH8YTjBoTx
This material is not intended to serve as personalized tax, legal and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Retirement Planning Solutions, LLC is not a legal or accounting firm. Please consult with your legal or tax professional regarding your specific tax situation when determining if any of the mentioned strategies are right for you.

[Noah Ellison, CFP®, MBA @EllisonNoah]

Wondering how you may be able to reduce your taxes?

For the right individuals, tax-aware strategies may be used that have historically passed through ordinary deductions to help offset your taxable income.

With proactive planning this approach may help:
- You keep more of what you earn
- Reduce, or potentially eliminate, the tax impact of future RMDs
- Create more room for tax-free Roth conversions

Smart investing isn’t just about returns, it’s about what you keep.

If this raises questions about your current investment, tax, and retirement plan, let’s connect and walk through how this type of tax-aware planning works.

Noah Ellison, CFP®, MBA
Helping you build, protect, and create a legacy.

Learn More About RPS: https://t.co/yH8YTjAR3Z
This material is not intended to serve as personalized tax, legal and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Retirement Planning Solutions, LLC is not a legal or accounting firm. Please consult with your legal or tax professional regarding your specific tax situation when determining if any of the mentioned strategies are right for you.

[Noah Ellison, CFP®, MBA @EllisonNoah]

Your beneficiaries will either inherit opportunity….. or an IRS obligation.

One tax-aware strategy may help improve your family’s legacy outcome by:
- Supporting tax-efficient Roth conversion planning
- Adding portfolio diversification and less correlated return source
- Helping to reduce your future RMD exposure
- Passing on more tax-free assets instead of tax bombs

Would your kids rather inherit tax-free Roth assets or an IRA they must empty and pay taxes on within 10 years?

If legacy planning matters to you, understanding your options matters even more.

Noah Ellison, CFP®, MBA
Helping you build, protect, and create a legacy.

Learn More About RPS: https://t.co/yH8YTjAR3Z
This material is not intended to serve as personalized tax, legal and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Retirement Planning Solutions, LLC is not a legal or accounting firm. Please consult with your legal or tax professional regarding your specific tax situation when determining if any of the mentioned strategies are right for you.

[Noah Ellison, CFP®, MBA @EllisonNoah]

Are you seeing a large portion of your income going to taxes?

As college and pro athletes, business owners, and high-income earners, you may be in the highest tax brackets.

Certain tax-aware structures allow ordinary deductions to pass through, which can help offset your ordinary income and reduce your exposure to the highest tax rates.

Curious about how these strategies work?

I’m happy to walk you through how these strategies function and who they’re designed for.

Noah Ellison, CFP®, MBA
Helping you build, protect, and create a legacy.

Learn More About RPS: https://t.co/yH8YTjAR3Z

This material is not intended to serve as personalized tax, legal and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Retirement Planning Solutions, LLC is not a legal or accounting firm. Please consult with your legal or tax professional regarding your specific tax situation when determining if any of the mentioned strategies are right for you.

[Noah Ellison, CFP®, MBA @EllisonNoah]

@IAmDanDiCerbo Boom! Someone will have to pay sooner or later.

[Noah Ellison, CFP®, MBA @EllisonNoah]

Using tax-aware alternative strategies with Roth conversions

If you have a large IRA, taxes are not if but when.

There are strategies to help you plan for this.

One tax-aware strategy passes through ordinary deductions that may be used to help reduce your tax bill.

Pairing this strategy with Roth conversions may help:
- Reduce your taxable income
- Convert more money tax-free
- Reduce future RMDs
- Pass on more money tax-free

What if you could do tax-free Roth conversions?

If you want to learn how this strategy works and whether you qualify, message me.

Noah Ellison, CFP®, MBA
Helping you build, protect, and create a legacy.

Learn More About RPS: https://t.co/yH8YTjAR3Z
This material is not intended to serve as personalized tax, legal and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Retirement Planning Solutions, LLC is not a legal or accounting firm. Please consult with your legal or tax professional regarding your specific tax situation when determining if any of the mentioned strategies are right for you.

[Noah Ellison, CFP®, MBA @EllisonNoah]

If you are a professional athlete, you may be tired of seeing almost half of your income go towards taxes.

There are strategies that can help you potentially minimize your tax bill and possibly give you diversified, uncorrelated returns.

A tax-aware, multi-strategy approach can help manage ordinary income exposure by balancing it with offsetting tax characteristics.

Athletes may have off the field income, like investment accounts, that can generate additional taxable income, short-term gains, and long-term gains.

Paring a tax aware strategy that potentially passes through ordinary deductions to help offset your ordinary income with a long/short direct indexing SMA:

- May help to reduce your tax bill
- Could help to harvest losses to offset gains more efficiently and quicker than typical direct indexing strategies
- Help you keep more of what you earn
- Help to diversify without increasing taxes paid

What are you doing to proactively manage your current and future tax bill?

If this raised questions about your own tax, investment, or retirement strategy, feel free to message me.

Noah Ellison, CFP®, MBA
Helping you build, protect, and create a legacy.

Learn More About RPS: https://t.co/yH8YTjAR3Z
This material is not intended to serve as personalized tax, legal and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Retirement Planning Solutions, LLC is not a legal or accounting firm. Please consult with your legal or tax professional regarding your specific tax situation when determining if any of the mentioned strategies are right for you.

[Noah Ellison, CFP®, MBA @EllisonNoah]

What if you could potentially reduce your future RMD’s and lifetime taxes without giving up growth?

This might be possible by integrating your investment strategy and your tax strategy.

If you are retired and planning for your next phase of life, you possibly have a large IRA and are wanting to reduce your future tax bill or pass on tax-free money to your wife and kids.

A tax-aware strategy in your investment plan, may make sense helping to potentially convert pre-tax accounts to Roth tax-free.

These strategies work by passing through ordinary deductions that may be used to offset your income and Roth conversions, possibly converting larger amounts to Roth without increasing your tax bill.

If you’d like to understand whether you meet eligibility requirements for this type of strategy, feel free to reach out.

Noah Ellison, CFP®, MBA
Helping you build, protect, and create a legacy.

Learn More About RPS: https://t.co/yH8YTjAR3Z
This material is not intended to serve as personalized tax, legal and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Retirement Planning Solutions, LLC is not a legal or accounting firm. Please consult with your legal or tax professional regarding your specific tax situation when determining if any of the mentioned strategies are right for you.

[Noah Ellison, CFP®, MBA @EllisonNoah]

When you are taxed at the highest rates, tax efficiency becomes important.

If you are a college or professional athlete earning 7 figures and being taxed at the highest rates, you could potentially see close to half of your earnings go to taxes.

A tax-aware strategy may fit into your plan to potentially help you keep more of your contract & possibly enhance your after-tax return.

Taxes quietly erode your wealth and reduce compounding.

Do you have a tax plan to help you maximize these years?

If this raises questions or concerns about your own plan, message me.

Noah Ellison, CFP®, MBA
Helping you build, protect, and create a legacy.

Learn More About RPS: https://t.co/yH8YTjAR3Z
This material is not intended to serve as personalized tax, legal and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Retirement Planning Solutions, LLC is not a legal or accounting firm. Please consult with your legal or tax professional regarding your specific tax situation when determining if any of the mentioned strategies are right for you.

[Noah Ellison, CFP®, MBA @EllisonNoah]

You can’t control tax law…. But you can possibly design around it.

You may be approaching retirement or are already retired and have done well accumulating, but now you are navigating a completely different phase.

Over your working years, you may have saved into pre-tax accounts to help your taxes then, but you were deferring taxes for later.

You are now maybe seeing some potentially large tax bills.

Proactive planning may make sense.

One strategy may be incorporating a tax-aware alternative that passes through ordinary deductions. This could help increase the potential efficiency of a Roth conversion by potentially lowering the amount in taxes you pay & strategically shifting funds from taxable to tax-free.

Have you looked at what your remaining projected lifetime tax bill may be?

These are conversations I’m having with clients.

If you’d like to understand how a tax-aware strategy like this works, and whether you’re eligible, reach out and I can walk you through the details.

Noah Ellison, CFP, MBA
Helping you build, protect, and create a legacy.

Learn More About RPS: https://t.co/yH8YTjAR3Z
This material is not intended to serve as personalized tax, legal and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Retirement Planning Solutions, LLC is not a legal or accounting firm. Please consult with your legal or tax professional regarding your specific tax situation when determining if any of the mentioned strategies are right for you.

[Noah Ellison, CFP®, MBA @EllisonNoah]

MNF🇺🇸!

[Noah Ellison, CFP®, MBA @EllisonNoah]

One challenge with Roth conversions can be the tax bill.

If you have just retired, or are planning to within the next few years, a proactive planning session could potentially save you money in taxes.

Some strategies can potentially help you save $100s of thousands, if not millions in taxes.

One tax-aware strategy that may fit into your plan could potentially help you:
- Pay little to no taxes
- Reduce your future RMDs
- Minimize your lifetime tax bill
- Pass on more money tax-free
- Enjoy tax-free income
- Have diversified, uncorrelated returns

If you could convert more to Roth without increasing your tax bill today, would you?

If this raises questions about your own tax, investment, or retirement strategy, I’m happy to share how this type of structure works and who it’s available to.

Noah Ellison, CFP®, MBA
Helping you build, protect, and create a legacy.

Learn More About RPS: https://t.co/yH8YTjAR3Z
This material is not intended to serve as personalized tax, legal and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Retirement Planning Solutions, LLC is not a legal or accounting firm. Please consult with your legal or tax professional regarding your specific tax situation when determining if any of the mentioned strategies are right for you.

[Noah Ellison, CFP®, MBA @EllisonNoah]

The ability to invest your contributions, so depending on the growth you may be able to give more over time. You can contribute to the DAF now and then donate later. Another thing that may make sense is bunching your contributions into 1 year. Say you do $10k a year, consider bunching 5 years worth together so $50k and doing a 1x contribution into the DAF. This may help from a tax standpoint.

[Noah Ellison, CFP®, MBA @EllisonNoah]

Donor Advised Funds are a powerful tool in your financial toolbox.

With a DAF, you:

- May potentially claim an immediate tax deduction saving you on taxes today

- Get to invest your contributions and grow them tax tree

- Support charities on your own timeline

- Help to facilitate family involvement in philanthropy

Here’s the catch:

If you’re taking the Standard Deduction, as most households do, ($31,500 in 2025 for married filing jointly), your charitable donations may not give you an extra tax benefit.

That’s because donations can be reported as itemized deductions. Unless your itemized deductions exceed the standard deduction, you may not see tax savings from giving.

This is where DAF strategies come into play:

1. Bunch your donations

Instead of giving smaller amounts each year from your cash flow directly to charity, you could combine several years’ worth of donations into one larger DAF contribution.

This may help you cross the threshold to where you will opt to itemize in that year to potentially maximize your tax benefit.

2. Pair with Roth conversions

Help offset the taxable income from a Roth conversion with your DAF contribution.

In essence, possibly amplifying your charitable impact while potentially strengthening your long-term financial plan.

Does a DAF fit into your financial plan?

Smarter planning may equal greater generosity

RPS Sports Private Wealth | Build. Protect. Legacy.

Learn More About RPS: https://t.co/yH8YTjAR3Z

[Noah Ellison, CFP®, MBA @EllisonNoah]

Would you be comfortable watching nearly half of your income disappear to taxes?

For those in the highest tax brackets, the drag from taxes is not minor. The tax drag can be enormous over time.

As college and pro athletes, you may be in the top marginal brackets.

This can significantly increase how much your earnings you are possibly losing to taxes each year.

A tax-aware alternative strategy, engineered to manage the character of gains, may potentially help you reduce the amount of taxes you have to pay.

If this raises questions about your own tax, investment, or retirement strategy, I’m happy to share how this type of structure works, who it may be appropriate for, and who it’s available to.

Noah Ellison, CFP®, MBA
Helping you build, protect, and create a legacy.

Learn More About RPS: https://t.co/yH8YTjAR3Z
This material is not intended to serve as personalized tax, legal and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Retirement Planning Solutions, LLC is not a legal or accounting firm. Please consult with your legal or tax professional regarding your specific tax situation when determining if any of the mentioned strategies are right for you.

[Noah Ellison, CFP®, MBA @EllisonNoah]

What if you could potentially reduce future RMDs, without paying more taxes today, and pass on more money tax free?

If you have an IRA or 401(k), the IRS has a plan for your retirement….

There are strategies to help you have your own plan.

You’ve been deferring taxes, but the tax man is going to come knocking. If he hasn’t already.

If your RMDs are $100,000+, or more than what your retirement income needs are, you could be potentially paying way more in unnecessary taxes.

One strategy to consider is one that may help you do tax-free Roth conversions.

This tax-aware investment strategy may help support:
- Diversified market exposure
- Your after-tax returns
- Tax-free income
- Roth conversion planning
- Reducing future RMD exposure
- Minimizing your lifetime taxes
- Creating a tax-free legacy
- Potentially eliminating large tax bombs

If you RMDs are going to push you into higher brackets in retirement, what is your plan to get ahead of it?

If you’d like to understand how this type of tax-aware strategy works and whether you’re eligible, reach out and I can walk you through the details.

Noah Ellison, CFP®, MBA
Helping you build, protect, and create a legacy

Learn More About RPS: https://t.co/yH8YTjAR3Z
This material is not intended to serve as personalized tax, legal and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Retirement Planning Solutions, LLC is not a legal or accounting firm. Please consult with your legal or tax professional regarding your specific tax situation when determining if any of the mentioned strategies are right for you.