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tax blindsides

In this week’s Hidden Wealth Reviews, I teach how you can learn to prepare for the tax blindsides. I have been working with Baby Boomers for over two decades and I have seen the impact of these tax blindsides.

Everyone should understand that there’s a distinct difference between the accumulation phase of retirement planning and the preservation phase. It’s the difference of going from getting a paycheck to creating a paycheck. Tax blindsides, such as Required Minimum Distributions (RMDs), don’t typically catch up with people until they are already into their retirement.

I read an article In Kiplinger this week emphasizing that you can change only what you can control. In practice, we can’t control taxes and we can’t control tax laws. What we can do is control how we plan for these uncontrollables.

We can plan for the fact that taxes are going to increase. Remember, if the government wants to spend more, the government needs to tax more. The government’s need for more tax money will lead to what we are experiencing now, with the government changing the tax laws to restrict the ability to get our retirement savings untaxed. This includes no more stretch IRAs and the new chatter about restricting or eliminating the ability to do a Roth conversion.

At the moment, the current rules allow an unlimited amount of 401(k) or traditional IRA money to be converted to a Roth IRA. This has not always been the case and it may not remain the case for long.

Click Here to discover how our clients are able to avoid the RMD blindside and to prevent what's known in tax circles as "the widow's penalty."

Controlling RMDs is one of the big ways to stay ahead of the tax blindsides. One solution we use to prepare our clients for RMDs is systematic Roth conversions. Working with our tax team, we determine how to convert the most amount of money for the least amount of tax.

Tuesday, at my Tax Protecting Your Retirement webinarI will also be teaching strategic Roth conversions. This strategy involves using a little-known, top-level tax deduction that reduces your taxable income. Converting a 401(k) or traditional IRA to a Roth IRA increases your taxable income. If you can create a big enough deduction, you can offset the taxes that would normally be due on your increased income. It’s even possible to create a big enough deduction to zero out the extra tax. We employ these strategies for our clients every week. You can learn how to do the same.

The “widow’s penalty” occurs when a person’s tax filing status goes from married filing jointly to single after the death of their spouse. This change can cause the surviving spouse to have to pay nearly double the taxes compared to what they were paying.

We see a number of widows and widowers who come to us, accustomed to being in a 12%, married filing jointly tax bracket. After the death of their spouse, they suddenly find themselves in the 22%, filing single tax bracket. Right now, taxes are on sale. Once the sale is over, that 22% bracket will become 25%. This tax increase is another example of a tax blindside.

Now may be the best time to eliminate your tax-deferred savings vehicles such as IRAs and 401(k)s. Do this while taxes are on sale and while you are still in the more generous married filing jointly tax brackets. Our clients learn to use Roth conversion strategies to maximize these opportunities.

Could Your Retirement Tax Bill Be Too Big?


Let me teach you how to avoid the tax blindsides before tax rates increase. Learn how to take advantage of the tax sale by going to and registering for Tuesday’s event.

You work hard for your money! If you want to know the retirement taxes you face, go to and learn, in 30 seconds, the tax bill that the government is preparing for you.

Once you learn your tax risk road, register for Tuesday’s no-cost, no-obligation financial educational webinar, by simply following these four simple steps:

  1. Go to (or scroll down to the form below).
  2. Select the webinar date/time you prefer.
  3. Enter your information thoroughly – make sure to double check your email address.
  4. Click “Reserve My Spot!” to submit, that’s it!

Once you’ve registered, you’ll receive an email containing a personal access link to join Tuesday’s event. Don’t forget to add it to your calendar!

Strong savers in 401(k)s and IRAs and high income earner are the people who will benefit the most from our proven solutions. Proven solutions with a track record of measurable results. Imagine less stress, less worry. Peace of mind retirement protection.

Register for your preferred webinar time now because these events have proven to fill up fast.

Those who attend this event will receive a complimentary copy of my latest eBook:

The Baby Boomer Retirement Breakthrough-The Unfair Advantage to a Safe and Secure Retirement.

CHuck Oliver Retirement Breakthrough

Spouses and Significant Others are Encouraged to Attend This Event Together

Note: We serve Boomers and Retirees all over the Unites States. We have an efficient, supported process to meet online, as have been doing for over 20 years. Our online meetings are private, the access is restricted and we never share our meeting link with anyone who’s not a part of the meeting.

Chuck Oliver
Wealth Strategist | Best-Selling Author
We help Baby Boomers and Retirees thrive in retirement through a clear retirement road map that provides market correction and tax protection to optimize income and assets!