$2M+ trapped in pre-tax accounts
70% or more of your investable assets are in 401(k), 403(b), or traditional IRA. Every dollar comes out as ordinary income — and the IRS already has a claim on it.
FOR RETIREES WITH $2M+ IN PRE-TAX IRAs
Stop your pre-tax IRA from becoming a tax bomb.
If most of your retirement savings sits in 401(k)s and traditional IRAs, the IRS already has a claim on it. The question isn't whether you'll pay tax — it's whether you'll pay it at 12%, 22%, 32%, or hand it to your heirs at their highest marginal rate.
Singh PWM is a flat-fee CFP® and IRS Enrolled Agent. We specialize in coordinated retirement tax strategy for households with $2M+ in pre-tax IRAs. No percentage of AUM. No commissions. Just planning and filing under one roof.
Schedule a Strategic Fit Interview
Or see pricing →No commitment. No sales agenda. 30 minutes.
WHY THE TAX BOMB IS REAL
Four ways an uncoordinated IRA strategy quietly costs you 7 figures.
Each of these is solvable on its own. The damage compounds when they're not coordinated — and most advisors only address one or two at a time.
RMDs are coming whether you want them or not
At age 73, the IRS forces you to withdraw — and the first RMD on a $5M IRA is over $200,000, taxable as ordinary income, on top of Social Security and any other income.
Your heirs only have 10 years
After SECURE Act 2.0, non-spouse heirs must drain inherited IRAs within 10 years. If your kids inherit during their peak earning years, the inherited IRA gets taxed at their highest marginal rate.
IRMAA is a stealth tax most people miss
Cross the wrong income threshold by even $1 in retirement and your Medicare premiums jump for the next two years — adding thousands per year per person to your healthcare bill.
THE MATH MOST RETIREES NEVER SEE
A $2.5M traditional IRA, growing at 6%, becomes $5.3M by age 73.
First-year RMD on $5.3M
$200K+
Forced out of the IRA. Taxed as ordinary income. Stacked on top of Social Security and any other income.
The 10-year heir rule
10 yrs
Non-spouse heirs must drain the inherited IRA within 10 years. If your kids are at peak earnings, every dollar gets taxed at their top bracket.
Tax alpha over a retirement
$400K+
The difference between an uncoordinated withdrawal plan and a deliberate multi-year tax strategy on a $2M+ household — in after-tax wealth, over a full retirement.
HOW WE FIX IT
Four steps. One coordinated strategy. CFP® and Enrolled Agent under the same roof.
Step 01
Map the full picture, not just the portfolio
Most advisors look at how your money is invested. We look at how it's taxed — pre-tax vs. Roth vs. taxable, withdrawal sequencing, RMD timing, and inheritance impact. The portfolio review takes an hour. The tax map takes a week.
Step 02
Model the conversion window year-by-year
The years between retirement and age 73 — when your income is lowest before RMDs start — are the single biggest tax-saving opportunity most retirees will ever have. We model Roth conversions every year, comparing your marginal bracket today against your projected RMD bracket later.
Step 03
Coordinate withdrawals to keep IRMAA, NIIT, and bracket creep in check
Where the dollar comes from matters as much as how much it is. Pulling $50,000 from a Roth, a brokerage, or an IRA produces three completely different tax outcomes. We sequence every dollar deliberately.
Step 04
Run planning and filing under one roof
I'm both a CFP® and an IRS Enrolled Agent. The plan and the tax return are built together by the same person. No game of telephone with a CPA who doesn't know the strategy.
REAL CLIENT OUTCOMES
What this looks like when it actually works.
Three anonymized examples of households we've helped reframe the tax-bomb problem into a manageable plan.
A $4M+ pre-tax IRA, reframed.
A retired couple with $4M+ concentrated in pre-tax IRAs were on track for a 7-figure tax bill on their kids' inheritance under the 10-year rule. We designed a phased Roth conversion strategy at a controlled 25-27% bracket — converting through their life expectancy and reframing the IRA from a tax bomb into a tax-managed legacy asset.
$16,000 in wasted dividends, gone.
A pre-retiree with $1.9M had 20% sitting idle in cash and $16,000 in ordinary dividends creating tax drag. We reallocated the portfolio, fixed her tax withholding, and started a 5-year Roth conversion runway timed against her Social Security claiming year.
$42,000 of hidden income inefficiency, fixed.
A couple's existing advisor had structured their income in a way that produced $42,000 of unnecessary ordinary income — costing roughly $6,300 every year in tax. We restructured the income flow under a flat-fee retainer. The savings recur for life.
WHO THIS IS BUILT FOR
Retirees and pre-retirees age 55+ with $2M+ in pre-tax IRAs or 401(k)s — particularly those who have done well saving but never got a coordinated answer to: what happens when this money has to come out?
Schedule a Strategic Fit Interview
No commitment. No sales agenda. 30 minutes.
THE FIRST STEP IS FREE
Find out how big your tax bomb actually is.
The Strategic Fit Interview is 30 minutes. We walk through your accounts, your timeline, and the projected tax impact of your current trajectory — and discuss what a coordinated plan could look like.