CentraLife
Licensed in 49 States

Your state writes half the tax code you retire under.

Income tax or none. Estate cliffs, inheritance taxes, community property. The federal strategy is the foundation — but the state you live in decides which structures matter most. Pick yours.

Texas

TX
No state income tax · Community property

Texas skips the state income tax. The federal one is still coming for your 401(k).

Texas planning guide

Florida

FL
No state income tax · No state estate tax

People move to Florida for the taxes. Then leave their savings in accounts the IRS still owns.

Florida planning guide

California

CA
Top 13.3% state income tax · Community property

In California, tax-free income is worth up to 13.3% more. Structure accordingly.

California planning guide

New Jersey

NJ
Inheritance tax up to 16% · Highest property taxes in the U.S.

New Jersey still has an inheritance tax. Life insurance is exempt from it.

New Jersey planning guide

Illinois

IL
State estate tax from $4M · America’s freight crossroads

Illinois taxes estates the federal government ignores. From $4 million — not $13 million.

Illinois planning guide

Georgia

GA
Logistics capital of the Southeast · No estate tax

Atlanta moves the country’s freight and closes its deals. Most of that income has no structure.

Georgia planning guide

North Carolina

NC
Banking + research economy · Flat tax falling

Charlotte banks it. The Triangle researches it. Almost nobody structures it.

North Carolina planning guide

Ohio

OH
No state estate tax · I-70/I-75/I-80 freight spine

Ohio incomes go further. Structure decides whether the retirement does too.

Ohio planning guide

Pennsylvania

PA
Inheritance tax on nearly everything · Life insurance exempt

Pennsylvania taxes what you leave your own children. Life insurance is the exemption.

Pennsylvania planning guide

Don’t see your state? CentraLife is licensed in 49 states (NPN 21105331) — every strategy on this site is available by phone or video in every state except New York. Schedule an assessment and we’ll design around your state’s rules.

The state rules change.
The math is always yours to run.

Run Your Own Numbers Talk to a Licensed Advisor