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Writer's pictureKyle Rolek, Retirement Planning Specialist

Does PA Tax Retirement Income?

Updated: Mar 7



Navigating Pennsylvania's Retirement Income Taxes: Your Guide to Financial Peace of Mind

Does Pennsylvania tax retirement income?


Is social security income taxable in PA?


Are pensions taxable in PA?


Does Pennsylvania tax IRA and 401k distributions?


This short article breaks down the taxation of different income sources, empowering you with important knowledge needed regarding taxes as you approach retirement.


Understanding PA Tax on Social Security

Great news! Social security income is not taxed at the state level in Pennsylvania.


However, federal taxation varies based on income brackets. If you're unsure about how this affects you, consider reaching out for a personalized consultation.


For tailored insights based on your unique situation, click here to request a personal consultation.


Is Pension Income Taxable in PA?

Enjoy a tax-friendly stance in Pennsylvania – pension income remains untaxed at the state level.


However, federal taxation applies. If you have questions about how this impacts your overall tax situation, our experts are ready to assist.


PA Tax on IRA Distributions

In Pennsylvania, IRA distributions are generally not taxable at the state level. Exceptions exist, especially for early withdrawals.


If you're unsure about your specific circumstances, a personalized consultation can provide clarity. Let us help you navigate the intricacies of state and federal tax regulations.


Ready for a personalized discussion about your IRA tax strategy? Click here to schedule a personal consultation.


PA Tax on 401(k) Distributions

Similar to IRAs, 401(k) distributions are generally not taxable in Pennsylvania at the state level.


However, exceptions apply, and federal taxation is a consideration. If you're uncertain about your unique situation, a personalized consultation can offer guidance tailored to your needs.


Interested in a customized discussion about your 401(k) tax strategy? Click here to connect with us.


Paying Taxes in Retirement: A Strategic Approach

When it comes to tax withholding on retirement income, understanding your options is key.


While Pennsylvania typically doesn't tax retirement income, federal rules apply.


Consider consulting with a fiduciary financial advisor and a CPA to ensure a seamless transition into retirement without unexpected tax burdens.


For expert guidance on your unique retirement tax situation, click here to schedule a consultation.


Don't let uncertainty about retirement taxes linger.


We're here to provide personalized assistance, ensuring you make informed decisions for a secure future. Take the first step toward peace of mind by reaching out for a consultation today!


To discuss your retirement tax plan in detail, click here to request a personal consultation: Pennsylvania Retirement Income Taxes

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Article Disclosures

 

Informational Purposes

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor.

 

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The views expressed in this commentary are subject to change based on market and other conditions. These documents may contain certain statements that may be deemed forward‐looking statements. Please note that any such statements are not guarantees of any future performance and actual results or developments may differ materially from those projected. Any projections, market outlooks, or estimates are based upon certain assumptions and should not be construed as indicative of actual events that will occur.

 

Information Obtained from a Third Party Source

All information has been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy, reliability or completeness of, nor liability for, decisions based on such information and it should not be relied on as such.

Illustrative Purposes​

The information contained is for illustrative purposes only.

Target Assumptions

Any target assumptions described in the articles are estimates based on certain assumptions and analysis made by the advisor. There is no guarantee that the estimates will be achieved.

 

If you have any questions regarding our disclosures, please contact us at 267-427-5667 or kyle.rolek@rolekretirement.com

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