Meet Your Retirement Tax Strategist

Credentials

Enrolled Agent (EA) — Licensed by the IRS to represent clients in tax matters. Verify my EA status (search "Melissa Downs" in IRS EA directory)

MBA in Finance & Economics — Graduate of University of Missouri

Accredited Retirement Advisor (ARA) — Credential from the Accreditation Council for Accountancy and Taxation

15+ years of experience in tax strategy and retirement planning

My Story

I’m an Enrolled Agent with over 15 years of experience in tax and financial strategy, an MBA in finance and economics, and an Accredited Retirement Advisor (ARA). For more than a decade, I’ve worked closely with retirees, especially the “super savers” who did everything right but now face steep tax bills just when they’re ready to enjoy life.

I built this service to help you sidestep those hidden tax traps and make the most of your hard-earned savings. Whether you're years from retirement or already there, it's not too late to take action. Together, we’ll build a smarter drawdown plan so you can spend freely, give generously, and retire confidently.

Retirement tax strategy that puts you back in control

How I Work

I don't believe in one-size-fits-all retirement strategies. Every situation is different — your taxes, your goals, your timeline. My job is to listen, analyze, and build a plan that's specific to you. No overwhelm, no jargon, just clarity.