How much do you have in tax-deferred accounts (401(k), Traditional IRA, 403(b))?

What tax bracket do you expect to be in during retirement — compared to today?

At age 73, the IRS forces withdrawals from your tax-deferred accounts. What's your plan?

Have you started moving money out of tax-deferred accounts and into tax-free Roth accounts?

In retirement, the bulk of your income will come from...

Will you have a guaranteed pension or annuity income stream in retirement?

How much do you have in tax-FREE accounts (Roth IRA, Roth 401(k), HSA, life insurance cash value)?

Roughly, what's your total household investable net worth (excluding your primary home)?

Where should I send your results?

Your personalized risk level + the 3-page roadmap built for your exact answers. Plus instant access to The Retirement Tax Trap book.

You're both feet in the trap.

Your answers tell me you have heavy tax-deferred concentration, gaps in your estate plan, no engineered income strategy, and three advisors who don't talk. This is the most expensive position to be in. It's also the most fixable.

• Your tax-deferred concentration is a tax bomb. Every year of delay compounds the 35-40% bill the IRS is waiting to collect.
• The "lower bracket in retirement" myth is the most expensive belief in personal finance. The math says otherwise.
• RMDs at 73 will force withdrawals — likely into higher brackets — and trigger IRMAA Medicare premium hikes on top.
• You have no tax-free buckets to draw from in retirement. Your income is at the IRS's mercy.
• An IF-COME plan means market crashes — not your strategy — decide what you live on.

Your Free Book — As Promised

The Retirement Tax Trap

Your complimentary digital copy ($29 value) — yours to keep. Read it before your Discovery Session.

⬇ Download My Free Book (PDF)

Gregory S. DuPont

Attorney & Certified Financial Planner™

You see the trap. You haven't moved yet.

You've done some of the work. There's still meaningful exposure across taxes, estate, or income coordination. A few targeted moves over the next 12 months can save you six figures.

• Your tax-deferred concentration creates significant RMD exposure starting at 73.
• You have some awareness of the bracket math, but no laddered Roth conversion plan locked in.
• Your income mix leans on market performance more than it should. IN-COME, not IF-COME, is the goal.
• A few targeted Roth conversions in the next 12 months could save you six figures over the next decade.
• Watch for IRMAA cliffs — at certain income thresholds, your Medicare premiums spike by thousands per year.

Your Free Book — As Promised

The Retirement Tax Trap

Your complimentary digital copy ($29 value) — yours to keep. Read it before your Discovery Session.

⬇ Download My Free Book (PDF)

Gregory S. DuPont

Attorney & Certified Financial Planner™

You're walking around the trap. You could still slip.

You've put real planning in place. The pieces are there. The question is whether they actually work together under stress. A 30-minute audit will tell you.

• Your tax bucket diversification is reasonable. Further Roth conversion optimization opportunities likely exist.
• You understand the RMD math, but pacing of your conversion ladder may be sub-optimal vs your bracket window.
• Your income strategy is coherent. Stress-testing against tax hikes and Social Security 2032 cuts is the next move.
• You're already ahead of 90% of pre-retirees. A second-opinion audit finds the last percent or two.

Your Free Book — As Promised

The Retirement Tax Trap

Your complimentary digital copy ($29 value) — yours to keep. Read it before your Discovery Session.

⬇ Download My Free Book (PDF)

Gregory S. DuPont

Attorney & Certified Financial Planner™

You're past the trap. You're the exception.

Your answers tell me you've already done what most families never get around to. Coordinated team. Diversified tax buckets. Engineered income. Real estate plan. A second-opinion conversation can still find a percent or two of optimization.

• Final-mile audit on Roth conversion ladder pacing vs your bracket window.
• IRMAA cliff optimization — making sure your conversion math doesn't trip Medicare premium surcharges.
• QCDs (Qualified Charitable Distributions) directly from RMDs to satisfy giving + reduce taxable income.
• Multi-generational tax-free legacy via Roth + step-up basis coordination.

Your Free Book — As Promised

The Retirement Tax Trap

Your complimentary digital copy ($29 value) — yours to keep. Read it before your Discovery Session.

⬇ Download My Free Book (PDF)

Gregory S. DuPont

Attorney & Certified Financial Planner™