Client Outcomes

What the opportunity looks like in practice.

The following are illustrative examples based on real client engagements. Identifying details have been removed.

Case 01

Married couple · Ages 64 and 62 · Texas · Recently retired.

IRA balance: $2,800,000
Projected RMDs at 73: $140,000+ / yr
IRMAA exposure: $8,000 – $12,000 / yr
Existing Roth plan: None

Primary Strategies

·Multi-year Roth conversion sequencing during pre-RMD years
·IRMAA bracket management
·Beneficiary restructuring under the SECURE Act

Projected lifetime tax savings

$1,300,000

Projected outcome after Retirement Tax Strategy Plan implementation. Based on financial modeling at the time of engagement.

Case 02

Single retired professional · Age 68 · High W-2 income through retirement.

IRA / 401(k) balance: $5,600,000
Projected RMDs at 73: $280,000+ / yr
Heir exposure: 10-yr forced distribution
Conversion structure: IRA-LLC candidate

Primary Strategies

·IRA-LLC structure with valuation discount at conversion
·Multi-year Roth conversion plan
·Trust-based beneficiary restructuring

Projected lifetime & inheritance tax savings

$4,400,000

Projected outcome after Retirement Tax Strategy Plan implementation. Based on financial modeling at the time of engagement.

These examples are illustrative and based on real client scenarios with identifying details removed. Projected savings are based on financial modeling at the time of engagement and depend on actual tax rates, investment returns, and individual circumstances. Past results are not a guarantee of future outcomes. This content does not constitute tax, legal, or investment advice.

See If Your Situation Qualifies

Next Step

See the size of your retirement tax exposure before you commit.

The Retirement Tax Risk Analysis is a diagnostic — not a pitch. Most clients discover six- or seven-figure liabilities they did not know they had.

Schedule Your Risk Analysis Or book a 15-min intro call