For 401(k) and IRA Millionaires
Don’t Let Taxes
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.
See If We're a Fit → 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 mathematical 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.
Traditional Planning
Atomic Planning
Investment-Only Focus
Most advisors just build portfolios and never look at your tax return. If they aren't looking at your return, how can they possibly understand the tax impact of their recommendations?
Cookie-Cutter Models
Generic portfolios are fine for building wealth, but retirement portfolios are fundamentally different. Most lack a real strategy for down markets early in retirement, leaving you exposed to sequence of return risk.
The Atomic Roadmap
Explore
Discovery
Income
Investing
Taxes
Legacy
Support
Explore Atomic
The Explore Call
No pressure, no prep. Just a chance to talk about what you’re looking for and see if we’re the right fit to help. If it’s a fit, we’ll move forward. If not, we’ll still do our best to point you in the right direction.
Discovery
Get clear on what matters most.
We take a deep look at where you stand today: your accounts, income sources, tax situation, Social Security options, and spending needs. By the end of Discovery, you have a clear picture of what your retirement actually looks like on paper.
Income
Turn savings into a steady retirement paycheck.
We’ll map out how to turn your 401(k)s, IRAs, Social Security, and other assets into reliable income, showing you what it could look like year by year using mathematical withdrawal strategies.
Investing
Align your portfolio with your plan.
We align your portfolio with your income plan so your investments are doing the right job at the right time: not too aggressive heading into retirement, but not so conservative that inflation erodes your purchasing power.
Taxes
Keep more of what you’ve saved.
We model your tax situation across multiple years, identifying Roth conversion opportunities and optimizing withdrawal sequences designed to reduce your lifetime tax bill, potentially by six figures or more.
Protection & Legacy
Make sure everything stays on track.
We review beneficiary designations and estate documents to ensure your plan holds up. You'll also get access to our digital estate planning tool to create key legal documents without the massive attorney bill.
Ongoing Support
We’re with you for the long haul.
Retirement planning isn't a one-time event. We meet twice a year to review your plan, adjust for tax law changes, and ensure you remain on track. You'll always have a specialist ready to respond to your questions.
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.
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.
The Atomic Way
- ✓ 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
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
Common Questions From People Just Like You
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.
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.
Yes. We’ve written about one couple’s plan here.
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.
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
Learn More
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.
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.
Not at all. We work virtually with retirement savers across the country. Wherever you’re located, we’re ready to help.
Schedule Here
Schedule Here
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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.