Flagship Analysis
Full IRA Tax Analysis
A comprehensive evaluation of your IRA tax exposure — future RMDs, lifetime taxes, current vs. future bracket modeling, IRMAA impact, SSI taxation, and a Roth Conversion Timing Strategy.
Retirement Tax Consultants
We're the bridge
between your CPA & CFP.
An integrated retirement tax strategy for affluent retirees and pre-retirees — coordinated across tax, legal, and valuation disciplines to reduce lifetime tax exposure on IRA assets and long-term income.
6-Step
Planning Process
Dozens
Strategic Partners
100+
Tax Strategies for Individuals & Business Owners
Coordinated Planning
"It's not what you earn — it's what you keep."
— David Hyden, President & Founder
Established Trust
Affluent Retirees
01The Approach
A coordinated model built for the keep, not the earn.
Traditional planning often leaves substantial value on the table — concentrated future tax exposure from RMDs, Medicare surcharges, and the taxation of inherited accounts. Our enhanced platform focuses on improving tax efficiency around IRA distributions and long-term income planning, in coordination with your existing CPA, attorney, and financial adviser.
Analytical, not anecdotal
Every recommendation is supported by modeling — tax bracket analysis, lifetime tax projections, IRMAA, and SSI taxation.
Coordinated, not isolated
We work alongside CPAs, accountants, valuation firms, and legal professionals — a true family-office structure.
Defensible, not aggressive
Third-party valuations, legal opinion letters, and structured documentation designed to support compliance.
Layered, not siloed
Strategies are layered together — tax reduction, recovery, and income offset — within a single coherent plan.
On Informed Planning
"There are two systems of taxation
and wealth accumulation
in this country:One for the Informed,
and
One for the Uninformed.
Both are legal."
~ Honorable Learned Hand
U.S. Court of Appeals
02Capabilities
An expanded platform of advanced strategies.
Beyond preparation. A deeper toolkit covering reduction, recovery, and income-offset strategies — all integrated under one roof.
Discuss this
Discovery
Tax Return Analysis
A detailed review of prior-year returns to surface missed deductions, credits, timing opportunities, and structural inefficiencies that traditional preparation often overlooks.
Strategy
Roth Conversion Timing
Preliminary Roth modeling supported by valuation methodologies and independent third-party appraisals, where appropriate.
Advanced
Income Offset Strategies
Reduce current taxable income through IRS-recognized provisions — including bonus depreciation and excess business loss (EBL), where applicable under recent OBBB legislation.
Recovery
Tax Recovery Strategies
Improve outcomes on previously executed transactions through structured recovery and offset frameworks.
Implementation
Coordinated Strategy Layering
Align multiple approaches within a single coordinated tax plan — implemented with your existing CPA and legal counsel.
03Tax Proactive Planning Process
Six structured steps from diagnostic to implementation.
Tax-proactive planning is a discipline, not an event. Each step is designed to surface a specific category of opportunity and bring your CPA, attorney, and adviser into coordinated execution.
01
Diagnostic
Establish your tax priority.
A structured intake to map your assets, advisors, and goals — identifying which exposures matter most for your specific situation.
02
Deeper Dive
Preliminary tax-savings calculations.
Modeling current vs. future bracket positioning, lifetime RMD projections, IRMAA and Social Security exposure, and Roth conversion windows.
03
ROI Meeting
A high-level tax plan, framed by return on planning.
Present quantified savings opportunities, prioritize strategies by impact, and align on what's worth executing within your timeline.
04
Tax Plan Review
Walk through every detail of the plan.
Item-by-item review of recommended strategies, sequencing, assumptions, and how each move integrates with your existing advisory team.
05
Education & DD
Robust strategy education and due diligence support.
Plain-English explanations, legal opinion letters, third-party valuations, and time with our family-office network to validate every move.
06
Implementation
Coordinated execution.
Implementation alongside your CPA, attorney, and financial adviser — with structured documentation designed to support compliance.
04The Family Office
Dozens of specialists. One coordinated platform.
We engage a deep network of CPAs, accountants, valuation firms, and legal professionals — a true family-office structure that complements your existing advisory team and adds rigorous cross-disciplinary analysis.
01
Certified Public Accountants
Tax reporting alignment
02
Accounting Specialists
Reconciliation & structuring
03
Independent Valuation Firms
Defensible asset pricing
04
Tax Attorneys
Structural guidance & opinion letters
05
Estate Planning Counsel
Legacy & generational strategy
06
Cost Segregation Experts
Bonus depreciation support
07
ERISA & Retirement Specialists
Plan design & compliance
08
Investment Advisers
Portfolio fee analysis
09
Insurance Strategists
Income & legacy protection
10
Real Estate Advisors
1031 & EBL applications
11
Business Valuation Analysts
Closely-held entities
12
Financial Planners (CFP®)
Coordinated implementation
+ Additional specialists engaged as client circumstances require.
05Million Dollar Challenge
$1,000,000
in potential lost lifetime income — and where it's hiding.
The Million Dollar Challenge is a proprietary framework that evaluates how ongoing structural inefficiencies may be eroding long-term wealth. It focuses on three core drivers of retirement income efficiency:
Tax Efficiency
Reduce lifetime tax exposure on IRA distributions and conversions.
Income Distribution Efficiency
Optimize sequencing across taxable, tax-deferred, and tax-free buckets.
Fee Drain
Identify and reduce excessive fee drag on long-term portfolios.
As a working objective, the process seeks to uncover at least $1,000,000 in potential lost lifetime income. Results will vary based on individual circumstances. The Million Dollar Challenge is priced separately from our tax strategy planning engagements.
President & Founder
David Hyden
McKinney, TexasEst. presence in DFW
06About
David Hyden
President & Founder
David founded Retirement Tax Consultants on a simple conviction: it's not what you earn, it's what you keep — and what you've been losing. His work centers on identifying inefficiencies that are often overlooked in traditional retirement planning.
By coordinating across tax, legal, and valuation disciplines, the firm evaluates strategies more comprehensively and implements them with greater precision — complementing, not replacing, a client's existing advisory team.
"Our focus is on identifying inefficiencies that are often overlooked in traditional planning. By coordinating across tax, legal, and valuation disciplines, we're able to evaluate strategies more comprehensively and implement them with greater precision."
07Book a Conversation
Begin with a single conversation.
Two simple ways to start — a brief introductory call or a focused strategy session. Both are no-obligation.
15 minutes
Introductory Phone Call
A focused conversation to understand your retirement timeline, IRA assets, and whether our platform is the right fit.
- —Goals & timeline review
- —Eligibility assessment
- —Next-step recommendation
Book a 15-min Call
30–60 minutes
Strategy Session via Zoom
An in-depth working session to walk through your tax exposure, prior-year returns, and preliminary strategy modeling.
- —Full IRA Tax Analysis preview
- —Tax Return Analysis discussion
- —Coordinated next-steps roadmap
Book Strategy Session
Scheduling is handled directly through Calendly. You'll receive an immediate confirmation.
★Complimentary Resource
The IRA Tax Exposure
Checklist.
A comprehensive Retirement Tax Strategy Blueprint covering the eight risks embedded in traditional IRAs, the Widow's Penalty, the latest 2026 IRMAA & bracket tables, the full RMD schedule, and our coordinated engagement framework.
- Initial Assessment & Embedded Tax Liability
- Eight Traditional IRA Risks
- The Widow's Penalty — modeled case study
- 2026 IRMAA Surcharge Tables (Single & MFJ)
- Understanding IRMAA & the Hold Harmless Rule
- RMD Table — Ages 73 through 100
- 2026 Marginal Tax Brackets & Future Rates
- The Engagement Framework & ROI Guarantee
Multi-page PDF · Letter format · No spam.
Email-Gated
Step 1 of 1
Get my free IRA tax audit.
Enter your details below. We'll deliver the PDF instantly — and add you to occasional planning notes from David. No spam, ever.
08FAQ
Questions
answered.
Common questions about our approach, eligibility, and process.
09Get in Touch