Most retirees don't discover their tax vulnerabilities until the IRS does. Thirteen quick questions reveal yours now — while there's still time to plan.
Your score measures exposure to RMD tax stacking, IRMAA Medicare surcharges, the Widow Tax Penalty, the Legacy Tax Bomb, and more — based on publicly available IRS and Medicare guidelines, including SECURE 2.0 RMD ages (73 or 75, depending on your birth year). You'll also see your estimated Tax Color of Money: how your savings divide across tax-deferred, taxable, and tax-free buckets.
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Traditional IRAs, 401(k)s, 403(b)s. Every dollar comes out as ordinary income, RMDs eventually force withdrawals, and the IRS effectively owns a share of the balance.
Brokerage and bank accounts. Taxed along the way, but long-term gains get preferential rates and heirs may receive a step-up in basis.
Roth IRAs, Roth 401(k)s, HSAs, and properly structured life insurance. Qualified withdrawals are tax-free, there are no lifetime RMDs on Roth IRAs, and this is the bucket most retirees wish they had filled earlier.
Estimated from your answers to questions 1 and 2. This is an educational illustration of how your savings divide by tax treatment — it is not an inventory of your accounts and not an allocation recommendation.
These are the responses your score is built on. Before any review, it's worth confirming they still reflect your current situation — circumstances change, and so does the plan.
Your results identify what to look at. A complimentary Tax Readiness Review walks through what to do about it — educational, fiduciary-first, and specific to your situation.
This assessment is an educational tool based on publicly available IRS and Medicare guidelines, including SECURE 2.0 RMD ages. It does not constitute tax, legal, or investment advice, and no score should be interpreted as a recommendation to buy, sell, or hold any security or financial product. Consult qualified professionals regarding your individual situation.
As required by U.S. Treasury Regulations, any tax information contained on this page is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed under the U.S. Internal Revenue Code.