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 workshop 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 workshop 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 the best opportunity most retirees will ever get, 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 workshop 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?"The question Beau hears more than any other, from engineers and teachers, business owners and nurses, people who did everything right for forty years and never once saw this coming.
Register, answer ten statements, watch tonight.
Register
Your first name and email. We send you a link so you can come back to the workshop whenever you like.
Two minutes, ten statements
The same ten true-or-false statements from page one of the Workbook, plus three quick questions about your household. You get your Retirement Tax Exposure Score, and the page points you to the part of the workshop that matters most for you.
Watch now, then decide
The workshop opens on the same page. If your score says this is a conversation worth having, you can book a RichLife Retirement Review right there. If it says your plan is fine, you will know that too.
Beau Henderson has spent 25 years showing families the number nobody else put on paper.
Beau is the founder of RichLife Advisors in Gainesville, Georgia, host of The RichLife Retirement Show, and the Wall Street Journal best-selling author of Social Security Clarity. He is a member of Ed Slott's Elite IRA Advisor Group and was named the 2020 National Social Security Advisor of the Year. His work has appeared in The Wall Street Journal, Forbes, and CNBC.
This workshop is the conversation he has with new households at his table, recorded once so you can have it at your kitchen table instead. It is drawn from his book, The IRA Millionaire's Tax Trap.
Before you register.
Is this a live event?
No. It is recorded, about 45 minutes, and it opens the moment you finish the ten statements. There is no time slot to make, and the link we email you brings you back to it whenever you want.
Is this a sales presentation?
It is the education I give every household before we ever talk about their accounts. The only offer in it is a complimentary RichLife Retirement Review at the end, and sometimes what that review tells you is that the plan you have is fine.
I'm already taking RMDs, or I'm already widowed. Is it too late?
The window is narrower, and it is not closed. The workshop has a section for people whose window is already closing, and a direct word to surviving spouses who are living inside the Widow's Penalty today. The moves still work. They are just more time-sensitive.
Didn't the One Big Beautiful Bill Act fix the tax problem?
It made today's tax brackets permanent, which is good news for planning. It did not eliminate Required Minimum Distributions, it did not touch IRMAA, and it did not bring back the stretch IRA for your kids. Segment five walks through exactly what changed, what did not, and why permanent rates make the math cleaner rather than optional.
Forty-five minutes, tonight, with your own numbers in mind.
If it does not change how you think about the account you spent forty years building, you have lost an evening, and that is it.