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.

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🏔️ Retirement Focused
🇺🇸 Veteran Owned
🛡️ Fee-Only
⚖️ 100% Fiduciary

You’ve Spent 30 Years Saving.
The Rules Are About to Change.

You’ve done the hard part. You built a nest egg of $1 million or more in your 401(k) or IRA.
But as you approach retirement, the questions shift from "How much can I save?"
to ones most people aren't prepared for:

“How do I take money out without triggering an avalanche of taxes?”
“Will my retirement savings really last 30+ years?”
“What if something unexpected happens to my spouse or my health?”
“Am I missing something that could cost me later?”

Most retirement mistakes happen in the five to ten years before retirement.
We focus on the three areas where the right plan makes a six-figure difference:

💸 Taxes
We help you move money from "Forever Taxed" accounts to "Never Taxed" Roth accounts while you're in a lower tax window.
💰 Income
We replace your paycheck with a flexible withdrawal strategy designed to keep your lifestyle steady even during market volatility.
🛡️ Risk
We bridge the gaps generalists miss—like Medicare surcharges, Social Security errors, and the tax bomb inside inherited IRAs.

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.

Many Advisors
  • ✕ No income strategy
  • ✕ Little to no tax planning
  • ✕ Only when you ask
  • ✕ Once a year (if that)
  • ✕ 400+ clients, little time for you
  • ✕ Pushes costly products
  • ✕ Pay $5,000+ to an attorney
  • ✕ Owned by a large corporation or bank
  • ✕ Retires before you do
ATOMIC PLANNING
  • ✓ Turns Your Savings into Income
  • ✓ Strategies to Lower Your Taxes
  • ✓ Ongoing, Proactive Advice
  • ✓ Regular Check-Ins & Adjustments
  • ✓ Fewer Clients, More Attention
  • ✓ Transparent and No Hidden Fees
  • ✓ Unlimited Estate Planning Included
  • ✓ Veteran-Owned and Independently Run
  • ✓ Your Long-Term Partner

No plan? Here's What That Could Cost You.

The Cost of Inaction

⚠️
Sequence of Return Risk: Withdrawing money from a "Cookie-Cutter" portfolio during a down market early in retirement, which can permanently derail your plan.
⚠️
Tax Blindness: Losing a massive portion of your 401(k) to the IRS because your advisor didn't model a multi-year Roth conversion strategy.
⚠️
Medicare Surcharges: Falling into "tax traps" that trigger IRMAA penalties, causing you to pay thousands more for healthcare than necessary.
⚠️
Social Security Gaps: Claiming benefits based on a "rule of thumb" rather than a mathematical analysis of your lifetime household benefit.
⚠️
Inheritance Tax Bombs: Leaving your children an Inherited IRA that forces them into the highest possible tax bracket during their peak earning years.
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Common Questions From People Just Like You

We work best with people who plan to retire in the next 10 years and have $1 million or more saved in a 401(k), 403(b), or IRA. The decade before retirement is the most important planning window of your life. The decisions you make about taxes, Social Security, and income in these years will shape your finances in retirement. If you're in that window and want to make sure you get it right, there's a good chance we're a fit.
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.
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.
Compare Our Fees
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.
View Case Study
We check in quarterly and meet twice a year to review your plan. In between, you’ll get a short weekly newsletter with planning tips and timely updates. And if something comes up, just reach out. We’re quick to respond, usually the same day.
Your investments are held securely at Altruist, a trusted custodian. They handle the behind-the-scenes work like asset storage and reporting so we can focus on your strategy.
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Absolutely. We coordinate with your CPA or attorney to ensure your strategies all work together. You’ll also get access to a digital estate planning tool (included at no extra cost) for state-optimized legal documents.
Not at all. We work virtually with retirement savers across the country. Wherever you’re located, we’re ready to help.
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