The tax bomb starts at 73.
No cost. No obligation. Sessions are limited to qualified savers.
Where it actually lands
It is rarely just the tax bill.
A higher bracket than you planned for
Required withdrawals stack on top of Social Security, pensions, and everything else. As the account grows, so does the required amount.
Medicare premium surcharges
Income above certain thresholds raises what you pay for Part B and Part D. The determination looks back two years, so the bill arrives long after the decision that caused it.
More of your Social Security taxed
Higher reported income can increase the taxable portion of benefits you already paid for.
The bill your spouse inherits
A surviving spouse files single. Much the same income, assessed against a narrower bracket structure.
Who the session is for
We can only be useful to some people.
- You are roughly 55 to 70
- You have $250,000 or more in traditional pre-tax retirement accounts
- You have not yet begun required minimum distributions
- You would rather know the number than be surprised by it
If that describes you, the next step takes under a minute. If it doesn't, close the tab with our blessing — you'd be stopped at the quick check anyway, and we'd rather not waste your time.
Check availability