MM — Mauricio MidenceMauricio MidenceTax Practice
    Client Portal
    Black female financial advisor reviewing retirement income projections and social security documents on a tablet with a retired couple in a bright Bay Area officeClose-up of a hand circling a retirement age milestone on a financial planning worksheet next to a calculator and 401k and IRA statementsAsian American senior man reviewing a retirement distribution statement with a male financial planner at a clean desk in a bright Bay Area office
    Black female financial advisor reviewing retirement income projections and social security documents on a tablet with a retired couple in a bright Bay Area officeClose-up of a hand circling a retirement age milestone on a financial planning worksheet next to a calculator and 401k and IRA statementsAsian American senior man reviewing a retirement distribution statement with a male financial planner at a clean desk in a bright Bay Area office

    Retirement Tax Planning

    Retire with a plan.
    Not a guess.

    401(k)s, Roth conversions, Social Security, and tax-efficient withdrawals planned so every retirement dollar works as hard as you did.

    Call Us

    Retirement Tax Planning

    Retire with a plan.
    Not a guess.

    401(k)s, Roth conversions, Social Security, and tax-efficient withdrawals planned so every retirement dollar works as hard as you did.

    Call Us
    401(k) & SEP PlansRoth ConversionsSocial Security Optimization25+ Years Planning Retirements
    MM Online Tax Services

    What We Handle

    Every retirement account. One coordinated strategy.

    From plan design and contribution optimization to Roth conversions and tax-efficient withdrawals, we build the full retirement tax strategy — not just the return.

    401(k) & Profit-Sharing Plans

    Plan design, contribution optimization, and compliance for business-owner 401(k)s and profit-sharing arrangements that maximize your deduction and your retirement balance.

    SEP & SIMPLE IRAs

    Tax-advantaged retirement structures for self-employed owners and small businesses. We set up and optimize SEP and SIMPLE IRAs so you shelter more income with less complexity.

    Defined Benefit Plans

    For high-earning owners who want to accelerate retirement savings and capture six-figure annual deductions. We coordinate the actuarial design and the tax strategy together.

    Roth Conversions & RMD Planning

    Strategic Roth conversion ladders that fill lower brackets now to avoid higher brackets later, plus required minimum distribution planning that keeps your retirement income efficient.

    Social Security Optimization

    When to claim, how to coordinate spousal benefits, and how Social Security fits into your overall retirement income stream. The sequencing decision can be worth tens of thousands.

    Tax-Efficient Withdrawal Strategy

    Which accounts to draw from, in what order, and when, so every dollar of retirement income is taxed as little as possible. Withdrawal sequencing is where most retirees leave money on the table.

    MM Online Tax Services

    Who We Help

    Built for owners turning equity into retirement income.

    Business owners nearing retirement, high earners maxing out contributions, and retirees optimizing distributions. If your retirement strategy and your tax strategy need to work together, we can help.

    Business Owners Nearing Retirement

    Owners who have spent decades reinvesting in the business and now need to convert equity into a real retirement income stream, with a plan and a timeline that makes it last.

    High Earners Maxing Out Contributions

    Professionals and executives hitting contribution limits who want larger deductions and faster wealth growth through defined benefit plans and advanced retirement structures.

    Retirees Optimizing Distributions

    Already retired and drawing income, but unsure whether the withdrawal sequence, Roth opportunities, and Social Security timing are leaving money on the table.

    MM Online Tax Services

    The Retirement Planning Process

    From accumulation to distribution. On a timeline you control.

    We assess where you stand, design the right plan, map the multi-year strategy, and keep it tax-efficient as you retire. You know the plan and the fee before we start.

    01

    Retirement Readiness Review

    We map your current retirement assets, contributions, projected Social Security, and target retirement timeline. You see exactly where you stand and what the gap looks like before we touch anything.

    02

    Plan Design & Contribution Strategy

    We design the right plan structure for your income, entity, and goals — whether that is a solo 401(k), a SEP, or a defined benefit plan — and optimize contributions for deduction and growth.

    03

    Roth, RMD & Social Security Mapping

    We build the multi-year roadmap: which years to convert to Roth, when to take required minimum distributions, and when to claim Social Security so every decision compounds in your favor.

    04

    Ongoing Tax-Aware Review

    Retirement planning is not a one-time event. We review your plan against your returns each year, adjust for life and market changes, and keep your distributions tax-efficient as you draw income.

    Happy diverse retired couple walking relaxed and at ease along a Bay Area waterfront boardwalk at golden hour
    MM Online Tax Services

    Outcomes That Matter

    The numbers behind a confident retirement.

    We measure success the way you do — by how long your money lasts, how much tax you avoid, and how certain you feel about the years ahead.

    $25M+Retirement assets strategized for clients
    834Reviews from retirement planning clients (4.9 stars)
    25+Years planning Bay Area retirements
    1:1Direct advisor access — no layers, no handoffs
    MM Online Tax Services

    Retirement Planning Clients · 4.9 Stars

    Confident retirements. Real clients.

    Pulled live from Google and Yelp. These are clients who came to us for 401(k)s, Roth conversions, Social Security timing, and tax-efficient retirement income.

    4.9from 834 verified reviews
    DC
    Danielle C.
    Google
    Verified
    Jose Delgado, thank you for your patience, expertise, and easygoing professionalism throughout tax season. You made the process feel smooth and reassuring, and your guidance has had a HUGELY meaningfu...
    BR
    Blanca R.
    Google
    Verified
    Mauricio has been working on my taxes for 20+ years. He’s always professional and is knowledgeable of all tax laws and IRS information. When I got a raise at work he quickly gave me tips on what to do...
    PG
    Perla G.
    Google
    Verified
    Just came in for a review to go over my taxes and opening up a new company. Highly recommend this place.
    VF
    Vaillen F.
    Yelp
    Verified
    Mauricio was great! Needed him to deal with Oakland Tax Officers. Contacted him on a Thursday. Got a quote on Friday. Two weeks later, all paperwork in and done. Highly Recommended
    RR
    Rafael R.
    Google
    Verified
    I wouldn’t operate three different businesses. I don’t know how I would do it without Mauricio and his team. They helped me with payroll bookkeeping and making sure all my corporate filings are up-to-...
    KL
    Kim L.
    Yelp
    Verified
    No one likes to do their taxes. Especially if you owe money. I reached out to Mauricio Midence tax preparation services to review my completed return. I had a great experience working with Geovanna an...
    JF
    Jennifer F.
    Google
    Verified
    Cristian, was so helpful as a first time customer will be coming back to him next year!
    SG
    Simon G.
    Yelp
    Verified
    Honor your appointments. You made me wait 20+ minutes on an appointment. You wasted my time
    VC
    Vanessa C.
    Google
    Verified
    Cristian was awesome to work with!!! Definitely worth the wait and coming back next year. I was so scared thinking I was going to have to owe money this year, but when he turned his monitor to show me...
    RS
    Ricky S.
    Google
    Verified
    Excellent service and very Friendly!
    SS
    Sal S.
    Google
    Verified
    My wife and I had a great experience working with Mauricio Midence on our joint taxes this year. They were incredibly easy to work with — friendly, approachable, and made the whole process stress-free...
    FL
    Freddy L.
    Google
    Verified
    Christian at Mauricio Midence Tax Preparation provided excellent customer service. He was very informative, patient, and made the entire process smooth and stress-free. Highly recommend!
    DC
    Danielle C.
    Google
    Verified
    Jose Delgado, thank you for your patience, expertise, and easygoing professionalism throughout tax season. You made the process feel smooth and reassuring, and your guidance has had a HUGELY meaningfu...
    BR
    Blanca R.
    Google
    Verified
    Mauricio has been working on my taxes for 20+ years. He’s always professional and is knowledgeable of all tax laws and IRS information. When I got a raise at work he quickly gave me tips on what to do...
    PG
    Perla G.
    Google
    Verified
    Just came in for a review to go over my taxes and opening up a new company. Highly recommend this place.
    VF
    Vaillen F.
    Yelp
    Verified
    Mauricio was great! Needed him to deal with Oakland Tax Officers. Contacted him on a Thursday. Got a quote on Friday. Two weeks later, all paperwork in and done. Highly Recommended
    RR
    Rafael R.
    Google
    Verified
    I wouldn’t operate three different businesses. I don’t know how I would do it without Mauricio and his team. They helped me with payroll bookkeeping and making sure all my corporate filings are up-to-...
    KL
    Kim L.
    Yelp
    Verified
    No one likes to do their taxes. Especially if you owe money. I reached out to Mauricio Midence tax preparation services to review my completed return. I had a great experience working with Geovanna an...
    JF
    Jennifer F.
    Google
    Verified
    Cristian, was so helpful as a first time customer will be coming back to him next year!
    SG
    Simon G.
    Yelp
    Verified
    Honor your appointments. You made me wait 20+ minutes on an appointment. You wasted my time
    VC
    Vanessa C.
    Google
    Verified
    Cristian was awesome to work with!!! Definitely worth the wait and coming back next year. I was so scared thinking I was going to have to owe money this year, but when he turned his monitor to show me...
    RS
    Ricky S.
    Google
    Verified
    Excellent service and very Friendly!
    SS
    Sal S.
    Google
    Verified
    My wife and I had a great experience working with Mauricio Midence on our joint taxes this year. They were incredibly easy to work with — friendly, approachable, and made the whole process stress-free...
    FL
    Freddy L.
    Google
    Verified
    Christian at Mauricio Midence Tax Preparation provided excellent customer service. He was very informative, patient, and made the entire process smooth and stress-free. Highly recommend!
    PF
    Peter F.
    Google
    Verified
    I cant express how happy I am with Maurico and his team he recommended to me last year to open my S-corporate just saved a lot of money on taxes I was a sole prop before now I can't belive the tax sav...
    BD
    Brunieh D.
    Google
    Verified
    I’ve been coming here for years. Geovanna helps me out and she is so amazing. She takes her time and explains this complex tax issues and makes it so much simpler for me to understand.
    CH
    Christine H.
    Yelp
    Verified
    I came to Mauricio after I felt like my last accountant wasn't up to par. Mauricio literally saved the day and was so accommodating to my last minute requests. He did my taxes within 1 day and saved m...
    CA
    Caio A.
    Google
    Verified
    Mauricio and the team are the real deal. The team brings a wealth of knowledge with professionalism, charisma, and care. I'm glad I've brought my personal and business taxes and tax planning here.
    AJ
    Alex J.
    Google
    Verified
    It seems like I will be the first one who will rate them below 5 star! There is a reason behind it! After driving to their offices 2 times because you can not reach them by phone! Sending them emails...
    DS
    Donald S.
    Google
    Verified
    Professional, and easy place to get your taxes done!! Recommended.
    OP
    Oz P.
    Google
    Verified
    Absolutely amazing! I recommend this place to everyone. I was attended by Christian. He was extremely helpful and professional. He answered every question i had and made the process very easy. The atm...
    CR
    Cynthia R.
    Google
    Verified
    Went today to file my taxes, I’m a first time home owner and did not know what to expect. Mauricio did an excellent job walking me through the tax filing process being a property owner. He went above...
    SL
    Swetha L.
    Google
    Verified
    Love the service. Very friendly
    LL
    Leah G.
    Google
    Verified
    Super knowledgeable and helpful—I’m a loyal customer for almost 10 years. Plus they play the 90’s salsa jams!
    RJ
    Rivera
    Google
    Verified
    Muy buen servicio y confiable por parte de Cristian, me ayudó muchísimo con mis taxes de manera rápida y clara✨
    LC
    Leandro C.
    Google
    Verified
    This is a great place to get help for your taxes. Services is great everyone’s friendly and welcoming. 10/10
    PF
    Peter F.
    Google
    Verified
    I cant express how happy I am with Maurico and his team he recommended to me last year to open my S-corporate just saved a lot of money on taxes I was a sole prop before now I can't belive the tax sav...
    BD
    Brunieh D.
    Google
    Verified
    I’ve been coming here for years. Geovanna helps me out and she is so amazing. She takes her time and explains this complex tax issues and makes it so much simpler for me to understand.
    CH
    Christine H.
    Yelp
    Verified
    I came to Mauricio after I felt like my last accountant wasn't up to par. Mauricio literally saved the day and was so accommodating to my last minute requests. He did my taxes within 1 day and saved m...
    CA
    Caio A.
    Google
    Verified
    Mauricio and the team are the real deal. The team brings a wealth of knowledge with professionalism, charisma, and care. I'm glad I've brought my personal and business taxes and tax planning here.
    AJ
    Alex J.
    Google
    Verified
    It seems like I will be the first one who will rate them below 5 star! There is a reason behind it! After driving to their offices 2 times because you can not reach them by phone! Sending them emails...
    DS
    Donald S.
    Google
    Verified
    Professional, and easy place to get your taxes done!! Recommended.
    OP
    Oz P.
    Google
    Verified
    Absolutely amazing! I recommend this place to everyone. I was attended by Christian. He was extremely helpful and professional. He answered every question i had and made the process very easy. The atm...
    CR
    Cynthia R.
    Google
    Verified
    Went today to file my taxes, I’m a first time home owner and did not know what to expect. Mauricio did an excellent job walking me through the tax filing process being a property owner. He went above...
    SL
    Swetha L.
    Google
    Verified
    Love the service. Very friendly
    LL
    Leah G.
    Google
    Verified
    Super knowledgeable and helpful—I’m a loyal customer for almost 10 years. Plus they play the 90’s salsa jams!
    RJ
    Rivera
    Google
    Verified
    Muy buen servicio y confiable por parte de Cristian, me ayudó muchísimo con mis taxes de manera rápida y clara✨
    LC
    Leandro C.
    Google
    Verified
    This is a great place to get help for your taxes. Services is great everyone’s friendly and welcoming. 10/10
    Read all 834 reviews
    MM Online Tax Services

    Common Questions

    Straight answers before you plan.

    Latino senior couple reviewing retirement savings statements and a financial planning binder at a sunlit kitchen table
    MM Online Tax Services logo
    Free Retirement Review

    Retiring soon? Let us pressure-test your plan.

    A 30-minute call with a senior advisor. Show us your retirement picture and we will show you where the tax savings and the gaps are.

    Or call us