The IRS Is Coming For Your 401(k). Here's How To Disappoint Them.
The government is $39 trillion in debt — and your 401(k) is where they plan to get it back. Take the free 1-minute Scorecard, see exactly how exposed your nest egg is, and claim your free copy of the book.
The largest wealth transfer in history is here. Most of it will never reach your family.
Baby Boomers control over $70 trillion in assets. Every single day, 10,000 of them retire. The IRS, probate courts, and Wall Street are all positioned to take their share before your kids ever see it. The numbers are public. The math is brutal.
Total Baby Boomer assets in motion. Nearly 3x the entire U.S. GDP. The biggest target the IRS has ever seen.
Of Boomers have no living trust. That means probate court decides who gets what. 5% of the estate gone before family sees a dime.
The OASI trust fund runs out. Without action, benefits get cut 23% automatically. Six years away. Your retirement income plan needs to assume it.
This isn't for everyone. Let me tell you who it's actually for.
I built this Risk Assessment for a specific kind of person. If you fit the left column, the 1 minute you spend on it will be the most valuable retirement work you do this year. If you fit the right column, save your time.
- Age 50 to 70 with $500K+ in IRAs, 401(k)s, or taxable accounts
- A doctor, dentist, business owner, executive, or professional with a real income
- Working with a CPA, attorney, and advisor who never talk to each other
- Worried about RMD rules, IRMAA cliffs, and the next tax hike
- Ready to stop guessing and build a coordinated plan
- Willing to spend 1 minute to find out where you're exposed
- Under 45 with no real retirement savings yet
- Looking for a salesperson to push annuities or insurance products
- Convinced your current advisor has it all handled
- Not willing to make changes even after seeing the gaps
- Hoping I'll predict the market or pick stocks for you
- Looking for free advice with no intention of acting on it
Congress just made the tax cuts "permanent." That doesn't mean what you think it means.
On July 4, 2025, the One Big Beautiful Bill Act extended the Trump-era tax brackets and locked in a $15 million estate exemption per person. Most people heard "permanent" and exhaled.
Here's what they're not telling you. "Permanent" in Washington means "until Congress needs the money." And Congress will. The national debt now sits at $39 trillion and grows by $8 billion every single day. Debt-to-GDP just crossed 130%. The Social Security trust fund hits the cliff in 2032 with an automatic 23% benefit cut waiting for everyone.
That extension was paid for with trillions more in IOUs. Eventually those IOUs come due. And $31 trillion is parked inside 401(k)s and IRAs waiting for the IRS to come collect.
The Beast That Never Sleeps
You don't have a plan. You have a Frankenstein.
Three professionals. Three silos. Three sets of advice that contradict each other. This is how generational wealth gets quietly drained while everyone "does their job."
Your Accountant
Files your taxes once a year. Looks backward at last April. Doesn't know your trust structure or your insurance coverage.
Your Attorney
Drafted your will eight years ago. Doesn't know your current 401(k) balance or your real estate cost basis.
Your Advisor
Sells you funds and managed accounts. Has zero incentive to talk to your CPA or your attorney.
The 6 Pillars of Wealth™. The framework that fixes the Frankenstein.
These six pillars are the operating system the ultra-wealthy have used for decades. You no longer need $10 million to access them. The Risk Assessment shows you which of your six pillars are weakest right now.
Mindset & Control
Stop being a passenger. Take the head of your own financial table. You either advocate for your wealth, or the IRS does it for you. Pillar 1 is the decision before the strategy.
Wealth Accumulation
Plug the leaks before adding water. Most people aren't behind because they don't earn enough. They're behind because they don't know how to keep, grow, and protect what they make.
Tax Minimization
Roth conversions. Asset location. RMD strategy. Charitable structures. The IRS gets the smallest legal slice of your retirement, not the biggest.
Wealth Protection
Long-term care. Lawsuits. Market downturns. A castle without walls is just an invitation for invaders. Pillar 4 fortifies what you've already built.
Engineered Income
Stop running an "if-come" plan that depends on the market, taxes, and your health all cooperating. Build predictable, engineered IN-COME you can't outlive.
Legacy Architecture
Trust-based transfer. Tax-efficient inheritance. The 4D Life Story video record. You pass down strategy, values, and wisdom. Not just dollars and a probate mess.
A 1D Estate Plan is checkers. The 4D Estate Plan™ is chess.
Two real couples. Same age. Similar net worth. Different planning. The math tells the story better than I ever could.
Jim & Linda
Will only. One advisor. Hope as a strategy.
"We met with a well-respected attorney, signed all the paperwork, and walked away thinking we were protected."
- $2 million tax bomb sitting inside their 401(k), un-managed.
- No long-term care plan. One nursing home stay = the house is gone.
- Investments stuck in outdated, high-fee mutual funds.
- Will but no living trust. Probate took control after Jim passed.
- Linda blindsided by tax bills, court filings, and a shrinking nest egg.
Tom & Sarah
Legal. Tax. Investment. Insurance. Coordinated.
"Greg's team built our plan in 4 dimensions. Every piece talks to every other piece."
- Roth conversion ladder structured over 7 years to defuse the tax bomb.
- Long-term care funded through asset-based hybrid policy. House protected.
- Investments restructured for tax-free retirement income, not just growth.
- Living trust with pour-over will. Probate avoided entirely.
- 4D Life Story video record so wisdom transfers along with wealth.
One plan reacts. The other plays to win. The Risk Assessment shows you which side of this story your current plan is on.
Esq. · Certified Financial Planner™
I'm an attorney. I'm a Certified Financial Planner™. And I'm tired of watching good families get robbed.
For over three decades I've sat across the desk from doctors, business owners, executives, and retirees who did everything they were told. Saved into the 401(k). Hired the financial advisor. Signed the will. Paid the CPA every April.
And I watched the same story play out again and again. The IRS took a third. Probate took a year and 5%. Wall Street took the rest in fees. The family inherited a fraction of what was promised.
I built Advocate Wealth Solutions and DuPont Law Group to be the conductor your CPA, attorney, and advisor were never going to be. I wrote The Retirement Tax Trap to expose the rigged game in plain English. And I started the March to a Million Movement to put real, family-office-grade planning in reach of a million American families.
That's why this Risk Assessment is free. I'd rather show you the trap in 1 minute than collect a fee letting you walk into it.
Three decades of work. Three brands. Four books. One mission.
What you actually walk away with. In 1 minute. Free.
This isn't a generic "personality quiz." It's a real risk audit built from 8 questions about your actual retirement exposure. You get answers, a roadmap, and the book. No credit card. No follow-up calls you didn't ask for.
The Retirement Tax Trap Risk Assessment
Real families. Real numbers. Real outcomes.
[REPLACE WITH REAL CLIENT QUOTE]. Greg saw something three other advisors had missed completely. The Roth ladder he mapped out is going to save us six figures over the next decade. I wish we'd found him five years ago.
[REPLACE WITH REAL CLIENT QUOTE]. I came in expecting a sales pitch. I left with a 7-page gap report and a clear order of operations. No pressure. No follow-up I didn't ask for. My CPA actually thanked Greg after their call.
[REPLACE WITH REAL CLIENT QUOTE]. The 4D Estate Plan is the difference between hoping things work out and knowing. After we set up the trust structure, my wife slept through the night for the first time in months. That's worth more than the dollars.
Testimonials reflect individual client experiences. Past planning outcomes are not a guarantee of future results. Compensation status disclosed where applicable. Compliance review pending — replace placeholder text with approved client quotes before publishing.
You're going to have questions. Good.
Six honest answers to the six most common objections. If your question isn't here, take the assessment and reply to the welcome email. I read every one.
I already have a financial advisor. Why do I need this?
That's exactly why you need this. Your financial advisor probably doesn't talk to your CPA. Your CPA doesn't talk to your estate attorney. Three professionals, three silos, three different sets of advice that contradict each other. That's the Frankenstein Plan.
I'm not asking you to fire anyone. I'm offering 1 minute to find the gaps between them. If your existing team has it handled, you'll know. If they don't, you'll know that too.
Is this assessment a sales pitch in disguise?
No. The Risk Assessment is a diagnostic, not a pitch. You answer 8 questions, you get a personalized risk level, and you get a roadmap. You decide if you ever want to hear from me again.
If your result page doesn't show you at least three specific things to fix in your retirement plan, just reply to my welcome email and I'll send you a free copy of The Probate Tax Trap on top of the first book. That's my promise.
I don't have $5 million. Am I "wealthy enough" for this?
This Risk Assessment is built for households with $500K to $10M in retirement assets. If you have $500K+ across IRAs, 401(k)s, brokerage, and home equity, the math says you have six-figure tax exposure. The trap doesn't care about your net worth. It cares about what's tax-deferred.
Family-office strategy used to require $10M+ to access. That's no longer true. That's the entire point of the March to a Million Movement.
I'm 5 years from retirement. Is it too late to fix this?
5 years out is the sweet spot. Roth conversion ladders work best with 5-7 year runways. Tax-bracket planning needs that lead time. Now is the moment. Two years from now is harder. Five years into retirement is much harder.
Already retired? Still worth taking the assessment. The order of withdrawals, the timing of Social Security, the structure of your trust — all of it can still be optimized.
Why is this free? What's the catch?
I'd rather show you the trap than collect a fee letting you walk into it. About 1 in 4 people who take this assessment ends up working with my team. The other three either implement on their own, take the gap report to their existing advisors, or do nothing. I'm fine with all three outcomes.
What I'm not fine with is another family losing $700,000 to taxes and probate that 1 minute of clarity could have started to prevent. So the assessment is free. No catch.
Can I do this on my own with online research?
Chief Justice Warren Burger DIY'd his estate plan. He had access to the entire U.S. legal system. His family lost $450,000 in unnecessary taxes when he passed.
If a Supreme Court Justice can't successfully DIY this, the rest of us probably shouldn't either. The strategies aren't secret. The coordination across legal, tax, investment, and insurance is the hard part. That's the work.
If your assessment doesn't surface three real fixes, I'll send you a second book on top.
Spend 1 minute on the assessment. If your personalized result page doesn't surface at least three specific, actionable things to fix in your retirement, tax, or estate plan — just reply to my welcome email and I'll mail you a free physical copy of The Probate Tax Trap on top of The Retirement Tax Trap. No questions. No survey. Just a thank-you for your time.
Take the assessment. Or take your chances.
Doing nothing is the most expensive thing you can do right now. The IRS is patient. The clock is not. Spend 1 minute. Get your personalized risk level. Take it from there.
Find My Risk Level Now →"Your family and legacy depend on you to be the hero in this modern-day heist story. The question is — will you take action before it's too late?"
— Greg DuPont, The Retirement Tax Trap