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Dan & Carolyn

Married, ages 68 & 72

Meet Dan and Carolyn, a hardworking couple who, despite not earning high incomes during their careers, diligently saved and prepared for their retirement. With good jobs and a disciplined savings approach, they accumulated a substantial nest egg over the years. As they approached retirement, Dan and Carolyn sought our guidance to navigate the complexities of Social Security and organize their retirement income plans.

Initially, Dan and Carolyn were unaware of the significant tax implications that awaited them. They had not anticipated the large tax bills that could erode their savings as they began to draw from their retirement accounts. Their primary objective was to optimize their retirement income strategy to minimize taxes and protect their legacy for their three sons.

One of their major concerns was ensuring that their sons would not inherit a significant tax burden from their taxable IRAs. They wanted to leave a legacy that provided for their family rather than leaving their children with a hefty tax bill.

After a thorough analysis, we crafted a comprehensive retirement plan that not only addressed their immediate needs but also safeguarded their family’s financial future. By strategically timing their Social Security benefits and structuring their retirement withdrawals, Dan and Carolyn were able to significantly reduce their tax liability and preserve more of their wealth for their heirs.

As you will see in the following details, Dan and Carolyn’s strategic approach to retirement planning resulted in significant tax savings and ensured that their hard-earned savings would be passed on to their sons without the burden of excessive taxes. 

Dan & Carolyn Before and After Their
Rothology™ Conversion

Projected Required Minimum Distributions

$2,835,698
With no Conversion
$1,306,369
Using traditional tax bracket conversion recommendations
$38,181
Using Q3’s Premier Rothology Strategy

Projected Medicare Premiums

$367,301
With no Conversion
$324,176
Using traditional tax bracket conversion recommendations
$232,360
Using Q3’s Premier Rothology Strategy

Tax Avoidance

$0
With no Conversion
$459,029
Using traditional tax bracket conversion recommendations
$1,784,828
Using Q3’s Premier Rothology Strategy

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