The Tax-Free Window: How to Protect Your Retirement from RMDs
Discover the IRS-approved window to move your tax-deferred retirement money into a Roth—where every dollar after that grows and comes out tax-free—before your RMDs begin (age 73 or 75, by birth year).
Video Coming Soon
Our educational video is being produced. In the meantime, explore our free calculators below to see your personalized numbers.
How Long Will Your Money Need to Last?
Start with our Longevity Calculator to see your personalized planning horizon. Takes 2 minutes. No consultation required.
What You'll Learn
The 3-7 Year Window
Your optimal window is the 3-7 years before your RMDs begin (age 73 or 75, by birth year). Every year you wait, your window shrinks.
Market Crash Math
One badly timed -30% crash in your first years of retirement can cost you years of income — model YOUR exposure.
Your Survival Probability
49% of healthy 55-year-old women live past 92. Is your plan designed to last that long?
Your Personalized Analysis Journey
Three quick calculators. Five minutes total. See YOUR numbers.
Longevity Risk
How long will your money need to last?
Market Crash Impact
What could one bad year cost you?
Retirement Gap
Will you have enough income?
No consultation required. Just math.
Verify Everything Independently
Your CPA
Download our technical documentation to share with your tax professional.
Your Spouse
Watch this together. Retirement planning is a joint decision.
Second Opinion
Share your calculator results with your current advisor. Good advisors validate math.
"Trust the math, not us"
Ready to See Your Numbers?
Our 3-step calculator series takes about 5 minutes total. You'll discover your planning horizon, market crash exposure, and retirement income gaps.
Every year you wait is one less year in the tax-free window. When your RMDs begin, the window closes.