For 401(k) and IRA Millionaires
Don’t Let Taxes
Drain Your Retirement
If most of your savings are in a 401(k) or IRA, you could quietly lose 30-40% to taxes in retirement. We help you build a plan to keep more of what you’ve spent decades saving.
You’ve Saved For Decades. Now What?
You’ve done the hard part. You've built up $1 million or more in your 401(k) or IRA.
But the questions that come next are ones most people aren't prepared for.
Most retirement mistakes happen in the five to ten years before retirement, not after.
The decisions you make right now about taxes, Social Security, and income will shape your finances for the next 30 years. Getting them right requires a plan that goes beyond "stay the course and hope for the best."
Three Areas Where the Right Plan Makes a Six-Figure Difference
We work with pre-retirees who have $1M or more in a 401(k) or IRA and want to make sure the next 10 years of decisions go right.
Here's where we focus.
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💸 Taxes
Reduce what you'll owe over your lifetime through Roth conversions, bracket management, and a withdrawal strategy built around your specific accounts.
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💰 Income
Build a retirement paycheck from your savings that covers your expenses, grows with inflation, and doesn't require you to sell investments at the wrong time.
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🛡️ Risk
Avoid the mistakes that are hardest to undo: claiming Social Security too early, triggering Medicare surcharges, or leaving your spouse or heirs with an unnecessary tax burden.
No Plan? Here’s What That Could Cost You.
Without a clear retirement strategy, you might:
💸 Pay more in taxes than you needed to — potentially six figures (or more) over a 20 to 30 year retirement
💊 Trigger higher Medicare premiums by taking the wrong income in the wrong year
⏰ Take Social Security at the wrong time and permanently reduce your lifetime benefit by tens of thousands of dollars
⚠️ Leave your spouse or heirs with a large pre-tax IRA they'll have to drain in 10 years and pay full taxes on
These aren't hypothetical risks. They're the mistakes we see most often. And the ones that are hardest to undo once they happen.
Why People Choose Atomic Planning
Most advisors will manage your investments. Fewer will build you a tax strategy. Almost none will do both proactively, every year, as a veteran-owned fiduciary firm that works entirely in your interest.
Common Questions From People Just Like You
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Always. We’re fiduciaries, which means we’re legally and ethically required to act in your best interest. That’s how financial advice should work.
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Most families we work with pay a 1.00% annual fee, billed monthly, on the assets we manage.
And that fee automatically goes down as your accounts grow.
No hidden fees. No commissions. No product sales.
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They can but it depends on your situation. We’ve helped some clients project six-figure tax savings by spreading out conversions over time. It’s all about timing and having a smart strategy.
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Yes. We’ve written about one couple’s plan here.
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We check in quarterly and meet twice a year (once in the spring and once in the fall) to review your plan and make sure everything stays on track.
In between, you’ll get a short weekly newsletter with planning tips, timely updates, and reminders to help you stay informed without the overwhelm.
And if something comes up, just reach out. We’re quick to respond, usually the same day.
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Your investments are held securely at Altruist, a trusted custodian that works with independent advisors like us. They handle the behind-the-scenes work (like asset storage, trading, and reporting) so we can focus on your planning and investment strategy. LEARN MORE
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Absolutely. We’re happy to coordinate with your CPA or estate attorney to make sure your financial, tax, and legal strategies all work together. Don’t have one? We can connect you with trusted professionals from our network. You’ll also get access to a digital estate planning tool (included at no extra cost) that lets you create and manage state-optimized legal documents like:
Revocable Trust & Pourover Will
Last Will & Testament
Financial Power of Attorney
Advance Health Care Directive
Guardianship Nominations
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Not at all. We work virtually with retirement savers across the country. Wherever you’re located, we’re ready to help. SCHEDULE HERE.
Is Our Planning Approach Right for You?
Find out in about 60 seconds👇
Free Download: The Atomic Numbers Cheat Sheet
The key retirement planning numbers every pre-retiree needs to know in 2026.
Contribution limits, tax brackets, Social Security thresholds, Medicare limits, and more.
Plus a free subscription to Atomic Ideas, our weekly retirement planning newsletter.