Sample Plan

Pre-Retiree with Large IRAs

A couple approaching retirement wants to reduce future RMD pressure and avoid unnecessary tax surprises.

The Scenario

The situation behind this sample plan.

This hypothetical couple has built large pre-tax IRA balances and wants to evaluate whether Roth conversions before RMD age could improve long-term tax outcomes.

What the Review Looks For

Potential tax blind spots reviewed in this scenario.

01

Roth conversion windows before RMD age

02

Future required minimum distributions

03

Medicare IRMAA exposure

04

Social Security taxation

05

Long-term tax bracket management

What the Sample Report Includes

A written plan with planning areas and next steps.

Current retirement account picture

Projected IRA balances and RMDs

Roth conversion ladder analysis

IRMAA and Medicare premium considerations

Lifetime tax impact comparison

Implementation roadmap

Potential Opportunities

What the planning process may help clarify.

Reduce future taxable RMDs

Create more tax-free Roth assets

Manage Medicare IRMAA exposure

Improve withdrawal flexibility in retirement

Want to see what your own tax plan may be missing?

Start with a short intake. If there is a fit, the next step is a deeper review of your documents and a written tax planning summary.

Sample reports are hypothetical and provided for illustrative purposes only. They do not represent actual client experiences and should not be interpreted as tax, legal, accounting, investment, or financial advice.