CACIV/For Pre-Retirees
For Pre-Retirees With $500K+ in Savings
The tax planning window before retirement is the most valuable one of your life.
73% of pre-retirees assume taxes drop in retirement. For people with $500K or more saved, the opposite is often true — and the planning window to do something about it closes the day your income sources turn on.
Why It Matters
Three tax problems no one warned you about.
The Retirement Income Stack
Social Security, RMDs, and withdrawals stack together in ways most retirees don’t see coming. The tax bracket you retire into can be higher than the bracket you retired from.
The Roth Conversion Window
The 3–5 year period before retirement is the highest-leverage tax planning period of your life. It exists only briefly — and most people miss it entirely.
Asset Location Mistakes
What you hold in taxable, tax-deferred, and Roth accounts can change your effective tax rate in retirement by 10–15%. Most portfolios are built for return, not for what’s left after tax.
The Coordination Gap
Your CPA files. Your advisor manages. Nobody is coordinating how those two decisions interact from a tax perspective — and that gap is where the money lives.
Start Here
The Tax Clarity Framework Guide.
Free download. Plain language. The three tax decisions that determine whether you actually get to keep what you saved.
Are you a Boeing employee approaching retirement? Start with the Boeing Tax Blueprint instead →