Do you know what your tax bill will look like at age 75?
Most people who saved well do not, because nobody ever sat them down with their own numbers on one page.
In this training I draw the partnership you never agreed to on the whiteboard, show you what Required Minimum Distributions, the Medicare surcharge and the Widow's Penalty do to a household's tax return, drawn from the book, and walk you through the window you still have to do something about it.
The raise your silent partner gives themselves while you do all the work.
Take $1,000,000 in a traditional IRA at age 63, growing a conservative 6% a year for the twelve years until withdrawals are required. The balance climbs to roughly $2,012,000. At a 24% future tax rate, the IRS's share climbs too, from about $240,000 to roughly $483,000. You took the market risk. You paid every fee. Your partner collected an extra $243,000 without putting in a dollar. That is arithmetic, not a hypothetical.
Illustration from the book. Your numbers will differ. The point is that the partner's stake compounds right alongside yours, and the training shows you how to buy them out.
Built for the people who saved well and were never shown the bill.
You have $500,000 or more in pre-tax accounts
Traditional IRAs, rollover IRAs, 401(k)s, 403(b)s. The bigger the balance, the bigger the partner's claim, and the more a plan is worth.
You're somewhere between 58 and 72
The stretch between your last paycheck and your first required withdrawal is the Conversion Window. It is one of the best windows for retirement tax planning, and it closes on a schedule.
You're married and have never run the numbers as one
When one spouse passes, the survivor loses roughly half their bracket room overnight. The same dollars get taxed harder. The training shows you how to plan for it while you are both still here.
Six things, in the order you will actually meet them.
Each segment takes one idea, explains the rule in plain language, shows you the math with a household from the book, and leaves you with something you can do about it.
The Worst Partnership Ever
How your IRA ended up in business with the IRS, how much of the balance already belongs to them, and why their stake grows every year you wait.
The RMD Ambush
The second key to your lockbox. What forced withdrawals do to your tax bracket, your Social Security and your Medicare premium, year by year from 73 to 90.
The IRMAA Cliff
The Medicare surcharge almost nobody sees coming, the two-year lookback that makes it feel like it came from nowhere, and the appeal form few people know exists.
The Widow's Penalty
Why the surviving spouse pays more tax on less income, and the three questions every married couple should be able to answer while both of you are still here.
The Conversion Window
Your RMD age, your gap years, the five inputs that map your personal window, and the four guardrails that size what you convert each year.
Fill the Bracket, Without Overflowing It
The one-page method for finding your annual number, where the money to pay the tax should come from, and why December 31 is a hard deadline.
Why didn't anyone tell us this ten years ago?
Forty-five minutes, with your own numbers in mind.
The training is being recorded now. Register and you will get the link the day it is ready, along with the Field Guide and the Workbook, so you can start on your own numbers before you watch.