Your clients have a retirement tax problem. We solve it — and we make you look like the one who found it.
Retirement Tax Consultants is not a competitor. We don't manage assets, file returns, or draft documents. We do one thing: quantify and reduce the retirement tax exposure of affluent clients who have more in traditional IRAs and 401(k)s than is tax-efficient — and we do it in partnership with their existing CPA, financial advisor, and estate planning attorney.
We operate in the space between the CPA and the financial advisor.
Not to replace either — to do what neither is positioned to do. The result is a better outcome for the client and a stronger relationship for you.
- 01Proactive multi-year Roth conversion planning
- 02IRMAA Medicare surcharge modeling and mitigation
- 03Widow's tax penalty planning for married couples
- 04IRA inheritance tax planning under the SECURE Act
- 05Advanced conversion structures for large IRA balances
- 01Tax bracket management across the retirement income window
- 02Legislative risk and tax diversification planning (post-OBBBA)
- 03Coordination of tax, legal, and valuation professionals for advanced strategies
- 04A written, quantified retirement tax strategy plan
A defined, professional referral relationship.
Introduction
You make the introduction. We handle the scheduling and the first conversation.
Risk Analysis
We conduct a Retirement Tax Risk Analysis and share findings with you — so you are fully informed and positioned as the advisor who surfaced the opportunity.
Strategy Plan
If the client proceeds, we deliver a written Retirement Tax Strategy Plan coordinated with your work.
Implementation
Implementation is managed by RTC in coordination with you — you stay in the loop on every material decision.
Documented Relationship
Revenue sharing is documented in a Professional Adviser Engagement Agreement with a defined structure.
A defined, 25% revenue sharing structure for qualified partners.
Terms are documented in a Professional Adviser Engagement Agreement. Reach out to request a copy.
Revenue share for qualified professional referral partners.
The referrals that fit best share these characteristics.
- 01$1,000,000 or more in traditional IRA or 401(k) balances
- 02High current income (32% bracket or higher) or projected high income in retirement
- 03Approaching or recently entered retirement — typically ages 55–72
- 04No written retirement tax strategy currently in place
- 05A surviving spouse managing the tax consequences of a partner's passing
Available to qualified referral partners.
Both documents are shared in confidence as professional resources and are not intended for redistribution.
White Paper: Valuation Discounts in IRA-LLC Structures
Full legal analysis, IRS guidance citations, Tax Court case table, and compliance framework.
Request White PaperProfessional Adviser Engagement Agreement
The governing document for our referral relationship.
Request via email