Request My Strategy Session
Discover How Savers Ages 58–67 Are Turning 5-Figure Retirement Tax Bills Into Income They Keep for Life
Through a confidential strategy session, we uncover what you're overpaying the IRS β and show you how a coordinated withdrawal and Roth conversion strategy repositions it into income that lasts.
You Spent Thirty Years Filling The Account.
But Who Did You Fill It For?
Your 401(k) Has A Silent Partner
Every dollar in your pre-tax accounts is shared with the IRS β you just haven't settled up yet. Much of that could potentially be repositioned into income that works for you instead.
Your Low-Tax Window Is Closing
The years between your last paycheck and your first RMD are often the lowest-tax years you will ever have. If that window closed unused, how much more would the IRS collect for the rest of your life?
Nearly Everything Is Taxable Later
If almost all of your savings is taxable at withdrawal, you have no tax diversification. A coordinated strategy adds a tax-advantaged bucket that you control.
The best strategies decide when you payβinstead of letting the IRS decide for you.
A Plan Designed
Around You β
Not The IRS Default
Here's what a properly sequenced retirement tax strategy can do for a saver approaching retirement.
Withdrawals In The Right Order
Draw from taxable, tax-deferred, and tax-free accounts in a deliberate sequence β so the same lifestyle costs you less in tax every single year.
Roth Conversions, Properly Sized
Use your low-tax window to move pre-tax dollars into tax-free ones β converting only as much as your bracket allows, year by year.
Medicare & Social Security Coordinated
Keep income under the IRMAA surcharge thresholds and manage how much of your Social Security becomes taxable β instead of tripping them by accident.
RMDs That Don't Ambush You
Shrink the pre-tax balance before required minimum distributions begin β so your seventies aren't spent paying for your fifties.
What clients typically discover once someone reviews their returns as a diagnosticβnot just a compliance document.*
The scorecard and forensic review are designed to surface your highest-impact opportunities fastβbefore this year's conversion window closes.
The planning gap grows with your pre-tax balance. Savers ages 58β67 with large 401(k) and IRA balances have the most to recover.
The Default Schedule vs. A Plan Built For You
Built By Default
- RMDs force out income whether you need it or not
- Your low-tax conversion window closes unused
- Nearly everything is taxable at withdrawal
- Social Security gets taxed by accident
- Medicare premiums jump a bracket you never saw coming
Built Around You
- Withdrawals sequenced across all three tax buckets
- Roth conversions sized to fill your low-tax window
- Pre-tax balance reduced before RMDs ever begin
- IRMAA and Social Security thresholds managed on purpose
- You decide when you pay β not the IRS
You don't need to save more. You need a strategy that decides when you pay β sequenced across your accounts, sized to your low-tax window, and designed to keep more of what you already built.
Who This Analysis Is Built For
Savers Ages 58–67
You're close enough to retirement that the decisions are real, and early enough that the low-tax window is still open β the years where sequencing and conversions do the most work.
Meaningful Pre-Tax Balances
Savers whose 401(k) and IRA balances are large enough that RMDs will push them into a higher bracket than they ever paid while working.
Recently Retired, Not Yet 73
Income has dropped but RMDs haven't started. This is the narrowest and most valuable planning window most retirees will ever get β and the easiest one to miss.
Couples Planning Together
Two Social Security start dates, two RMD schedules, and a survivor who will one day file single. Coordinating them on purpose is worth real money.
You're still more than a decade from retirement, your savings are already almost entirely in Roth or taxable accounts, or you already have a coordinated withdrawal and conversion strategy in writing. Every situation is different β that's why we start with a confidential strategy session.
What You Get When You
Submit Your Information
This isn't a generic checklist. It's a personalized forensic review of your tax situationβbuilt around how your accounts are structured, where you live, and what's actually been filed.
A 30-minute Tax Elimination Scorecard surfaces where savers approaching retirement typically overpayβbased on how your accounts are structured. You finish with a ranked "Top 3 Moves" list and a scheduled session with a tax strategy specialist who conducts a forensic analysis of your returns to identify missed credits, unclaimed strategies, and recoverable tax dollars.
Request My Strategy Session- Tax Elimination ScorecardRanked Top 3 highest-impact moves based on your account mix and retirement timeline
- State-Specific Decision MapPlanning opportunities specific to your stateβnot generic national advice
- Quarterly Tax PlaybookHighest-leverage checkpoints before each quarterly estimate payment
- Liquidity Event Planner90/60/30-day checklist for Roth conversions, pension lump sums, RMDs, real estate sales
- CPA Proactivity Test + AgendaReady-to-send email revealing whether your CPA is planning or just filing
Submit Your Information
Fill out the short form with your account and income profile
Schedule Your Review
Book your 30-minute forensic review with a specialist
Receive Your Scorecard
Get your personalized Tax Elimination Scorecard and resource kit
Leave With A Plan
Walk away with ranked, implementable next steps
Before & During Your Advisor Session
Here's exactly what happens when you submit your information β what you receive immediately and what your advisor walks you through during your session.
Tax Elimination Score Card
Complete the short questionnaire and instantly see your Tax Elimination Score β a personalized assessment that identifies where you are most likely overpaying and surfaces your Top 3 highest-impact planning opportunities. This becomes the agenda for your advisor session.
State-Specific Decision Map
A planning map reflecting real opportunities and traps specific to your state β so you're not relying on generic national advice that ignores where you live and how you're paid.
Quarterly Tax Playbook
The highest-leverage checkpoints to review before each quarterly payment β covering income timing, estimated payments, and documentation habits that keep strategies defensible.
Liquidity Event Planner
A 90/60/30-day decision checklist for Roth conversions, pension lump sums, RMDs, and real estate sales β so you know exactly what to do before a taxable event, not after.
CPA Proactivity Test
A ready-to-use email, meeting agenda, and question set that quickly reveals whether your current CPA is running proactive strategy β or only filing forms.
Forensic Return Review
Your advisor reviews your actual returns like a diagnostic β identifying missed credits, unclaimed strategies, and coordination gaps that are costing you money right now.
A Clear Next Steps Plan
You leave the session with a ranked, prioritized action list β specific moves to make before your next filing deadline, not vague ideas you have to figure out on your own.
Identify Your Tax Elimination Numbers
Share your current situation with us and we'll give you a score along with a personalized number showing your potential savings β based on our clients' history and your specific circumstances.
- Tax Elimination Scorecard + Top 3 Moves
- State-Specific Decision Map
- Quarterly Tax Playbook
- Forensic review session with a specialist
Your answers and results are 100% secure and confidential. We will never sell, share, or distribute your information to any third party. Your data is used solely to generate your personalized tax opportunity results.
The Strategist Behind Your Plan
Gregory Stevenson
Retirement Tax Strategist · Pacific Ridgeway Insurance Solutions
Gregory Stevenson is a retirement tax strategist with Pacific Ridgeway Insurance Solutions who helps savers and pre-retirees ages 58–67 turn oversized retirement tax bills into income they actually keep. He works in the narrow window between the last paycheck and the first required distribution, using a structured review process to align how you withdraw, how you convert, and how you're taxed into one written blueprint. Clients pursue him for clear recommendations, transparent tradeoffs, and execution-focused planning built around them.
Frequently Asked Questions
Most clients do. A CPA's job is to file accurately and keep you compliantβnot to engineer a year-round tax elimination strategy. This review looks specifically at what proactive planning has been missed, regardless of who's currently filing for you.
Every strategy we surface is legal, documented, and defensible. We focus exclusively on strategies retirees and pre-retirees are legally entitled toβmost of which are simply never implemented because nobody's job is to bring them up proactively.
A Pacific Ridgeway tax strategy specialist reviews your actual tax situationβincome sources, account types, Social Security timing, Medicare exposure, and retirement accountsβand walks through exactly where the gaps are and what the highest-impact moves would be before your next deadline.
It means we look at your return the way a diagnostician wouldβnot to verify it's correct, but to identify what's missing. Missed elections, unclaimed credits, structural inefficiencies, and coordination gaps between your advisors. Things that are legal to fix but require someone actively looking for them.
The Tax Elimination Scorecard, resource kit, and initial specialist review are provided at no cost. Our business is built on long-term client relationships where coordinated tax strategy creates ongoing valueβnot one-time engagements.
A specialist will reach out within 1 business day to confirm your information and schedule your review session. Spots are limited each week, so earlier submission typically means faster scheduling.
Discover What May Be
Missing From Your Tax Strategy
If you're 58 to 67 with a meaningful 401(k) or IRA balance and feel like you're paying more than necessaryβthis review may uncover $15k to $75k in savings you didn't know were there.
Request My Strategy SessionLimited forensic review spots available each week