Sansone CPA & Financial brings fee-only wealth management and tax planning under one roof, for Huntley and Sun City retirees, pre-retirees, and business owners who are tired of fragmented advice.
Financial & Tax Advisor
Anton specializes in retirement planning, business tax strategy, and personalized financial advice designed to reduce taxes and support long-term financial goals. Whether you’re a solo entrepreneur, a growing practice, or planning for life after work, he delivers clear, actionable guidance tailored to your situation.
Most advisors specialize in either taxes or investments. Anton holds the credentials and the responsibility for both, which is what lets Sansone coordinate the two sides of your financial life under a single strategy.
“If your CPA and your advisor don’t talk to each other, you’re paying for two opinions that might contradict each other. I’d rather give you one full opinion.”
Anton Prokopenko, MBA, CPA, CFP®, EA
Huntley is home to Sun City, Del Webb’s 55-and-over community of nearly 5,500 homes. If you live there or are planning a move, the big questions tend to arrive in the same order: selling the old house, Medicare costs, and how to turn savings into income.
The move year. Selling your previous home is often the largest transaction in a decade. Most married couples can exclude up to $500,000 of gain on a home they have owned and lived in for two of the last five years ($250,000 if single). Gain above that is taxable, and it also counts as income for Medicare premiums.
Medicare looks back two years. Part B and Part D premiums are set by your income from two years earlier. A home sale, a large IRA withdrawal, or a Roth conversion this year can raise what you pay two years from now. We plan big income years with that lookback in view.
Turning savings into income. When to claim Social Security, which accounts to draw from first, and how to use the years before required distributions begin are tax decisions as much as investment decisions. Illinois doesn’t tax Social Security, IRA, 401(k), or pension income, so the planning centers on federal brackets and Medicare costs.
A hypothetical example: a couple moves to Sun City after selling a home with $600,000 of gain. $500,000 is excluded; the other $100,000 is taxable that year and can raise their Medicare premiums two years later. Knowing that before closing changes how much IRA money they take out that year.
We look at your tax return and your portfolio together, so choices like these are planned before they happen, not sorted out at tax time. See our retirement planning services.
If you want the plan without moving your accounts, start with the Retirement Tax & Income Review →, a one-time, flat-fee plan that answers whether you can retire and stay retired, and how to withdraw money from your accounts to lower your lifetime tax bill.
Based in Crystal Lake, working with clients across McHenry County and northern Kane County, in person at our Crystal Lake office or virtually.
Q.01
Our office is at 850 S McHenry Ave, Suite D, in Crystal Lake. From downtown Huntley it’s about 15 to 20 minutes: Algonquin Road east, then Randall Road north to McHenry Avenue. From Sun City, take Route 47 north to Algonquin Road; plan on about 25 minutes. Virtual meetings are available if you’d rather skip the drive.
Q.02
Often not, or less than you’d expect. Most married couples can exclude up to $500,000 of gain on a primary home they’ve owned and lived in for two of the last five years ($250,000 if single). Gain above that is taxed as a capital gain and counts toward Medicare premiums two years later, so it’s worth running the numbers before you close.
Q.03
Illinois doesn’t tax Social Security or qualified retirement income such as IRA, 401(k), and pension distributions. Federal tax still applies, and Illinois still taxes interest, dividends, and capital gains. For most retirees, the planning that matters most is federal brackets and Medicare premiums.
Q.04
Part B and Part D premiums rise at certain income levels, based on your tax return from two years earlier. A one-time event, like a home sale or a large IRA withdrawal, can trigger a higher premium two years later. If your income dropped because you retired, you can ask Social Security to use a more recent year with Form SSA-44.
Q.05
Yes. Huntley sits in both McHenry and Kane counties, and each county runs its own assessment and appeal calendar. Senior property tax exemptions are also applied for through your county, so check which county your home is in before assuming a neighbor’s deadline applies to you.
A free 30-minute call. No prep needed, just bring your questions.
