What taxes can take from tax-deferred savings.
Tax is built into how we design retirement income — not a service we sell separately. This assessment estimates exposure on IRA and 401(k) wealth using simplified 2026 federal assumptions, then previews the conversion and distribution questions a Retirement Clarity Call is meant to answer.
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We’ll use this to send your summary and, if you’d like, walk through the numbers on a Retirement Clarity Call. Calculations still run locally in your browser.
Hypothetical illustration for educational and marketing purposes only. This is not personalized tax, legal, or investment advice, and it cannot be used to avoid IRS penalties. RMD calculations use the IRS Uniform Lifetime Table (Publication 590-B, Table III) by default, with a simplified joint-life adjustment when a sole spouse beneficiary is more than ten years younger. Tax brackets follow 2026 federal rates in IRS Rev. Proc. 2025-32, including the basic standard deduction, the age-65 additional standard deduction, and the temporary senior deduction available for 2025–2028 subject to MAGI phaseout. The SECURE Act 10-year rule is illustrated for non-spouse beneficiaries using simplified even distributions. State figures are flat-rate proxies. Roth conversions, QCDs, and QLACs may not be suitable; conversion income is taxable and may affect Medicare premiums and Social Security taxability. Insurance and annuity guarantees, when discussed, are backed by the issuing insurer. Use of this calculator does not create an advisory relationship. Consult a qualified tax professional before acting.
The assessment shows the exposure. The review sets the order.
We'll walk through what to address first, what to leave alone, and what should be coordinated with your CPA — as part of one retirement income plan.
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