Retirement Tax Forecast & Pressure Point Report

See What the IRS Is on Track to Collect From Your Retirement.

Every year you wait is one less opportunity to make a difference.

We will create a no‑cost Retirement Tax Forecast & Tax Pressure Point Report so you can see your projected lifetime tax bill, your biggest tax “pressure points,” and what they could mean for your lifestyle and heirs.

No cost. No obligation. Limited review spots based on calendar availability.

What You Get Inside Your Retirement Tax Forecast & Pressure Point Report

Your Lifetime Tax Forecast

  • Projected lifetime federal income taxes based on your current path

  • Estimated Medicare IRMAA surcharges (if any)

  • A plain‑English summary of your total expected tax bill if nothing changes

Your Biggest Tax “Pressure Points”

  • Where forced IRA withdrawals (RMDs) could push you into higher brackets

  • Where you may be exposed to IRMAA and the “widow(er)’s penalty”

  • A simple explanation of what those spikes could mean for you and your spouse

30‑Minute Zoom Review With Todd

  • We review your forecast together, page by page

  • You see what you’re on track to pay and why

  • At the end, you can work with us to:

    • Build a detailed Roth Conversion Blueprint, if appropriate, or

    • Handle the planning and implementation for you

Who This Is (and Isn’t) For

This may be right for you if…

  • You’re 55 or older, retired or within 10 years of retirement

  • You’ve built up meaningful savings in IRAs, 401(k)s, or other retirement accounts

  • You’re more concerned about not wasting money in taxes than “beating the market”

  • You want clear numbers and plain English

This is not for you if…

  • You’re looking for hot stock tips or day‑trading ideas

  • You don’t file U.S. tax returns or don’t plan to use a CPA/tax pro

  • You just want a generic article or calculator, not a personalized analysis

How It Works

  1. Answer a Few Questions (2–3 minutes)

    • Basic info: age, retirement timing, account types, state of residence

    • This helps me see if the Forecast may be valuable for you

  2. I Build & Mail Your Forecast Packet

    • I use your information to run a personalized Retirement Tax Forecast & Pressure Point Report

    • I mail you a physical packet so you can see your numbers in black and white

  3. We Review It Together on Zoom (30 minutes)

    • We walk through your forecast, your biggest tax pressure points, and what they might mean

    • At the end, you can engage us to:

      • Build a Roth Conversion Blueprint, if appropriate, or

      • Handle the planning and implementation for you as an advisory client

Why This Is Time‑Sensitive

These Retirement Tax Forecast & Pressure Point Reviews are often most useful before year‑end tax planning and RMD deadlines.

I personally review each forecast, and we handle new cases on a first‑come, first‑served basis. To make sure there’s still time to act on what we find, I’m currently offering new Forecast Reviews now, then shifting attention to clients who are implementing changes before year‑end.

The Guarantee

Your Retirement Tax Forecast & Tax Pressure Point Report is yours to keep and use with any advisor or CPA you choose. I guarantee there will be no strings attached: if you decide not to work with us beyond this review, you still keep the full report and any materials at no cost.

This guarantee does not imply any investment results, tax outcomes, or market performance.

Who You’ll Be Meeting With

Todd Talbot, CFP®, ChFC®, CLU®

  • CERTIFIED FINANCIAL PLANNER™ professional

  • National Social Security Advisor certificate holder

  • Certified Tax Specialist™

I run a planning‑first advisory firm in Birmingham, Alabama, focused on helping affluent retirees keep more of what they’ve saved and send less to the IRS over their lifetime. I’m here to put real numbers in front of you, in plain English, to help you make informed decisions about your retirement taxes.

Frequently Asked Questions

Q: What does “no cost” really mean?

A: There is no fee for the Retirement Tax Forecast & Pressure Point Report or the 30‑minute review. If you decide you want a detailed Roth Conversion Blueprint or an ongoing advisory relationship afterward, those services do have fees, which I’ll explain clearly before you decide.

Q: Can I use this report with my current advisor and CPA?

A: Yes. The report is yours to keep. Many people bring it to their existing advisor and CPA. If you wish, I can also provide a simple summary page “for your tax professional” so they can help you implement any changes.

Q: Do you guarantee tax savings?

A: No. This is a tool to help you understand what could be one of your biggest expenses during retirement... taxes. It uses assumptions that may change over time. I don’t guarantee specific tax savings or investment performance. I do believe you’ll understand your projected tax path better.

Ready to See What the IRS Is On Track to Collect From Your Retirement?

Request your no‑cost Retirement Tax Forecast & Tax Pressure Point Report and get a clear view of your projected lifetime tax bill and your biggest tax pressure points.

Investment advisory services offered through CreativeOne Wealth, LLC, a registered investment adviser. CreativeOne Wealth and Red Mountain Financial are unaffiliated entities. We are not affiliated with or endorsed by any government agency, and do not provide tax or legal advice. Investing involves risk, including possible loss of principal. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. No investment strategy can ensure a profit or guarantee against losses. Licensed insurance professional. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. This material is for informational purposes only, the examples are not guaranteed and should not be construed as a recommendation or advice for your particular circumstances. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including (but not limited to) a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. COD00028026

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