Keep more of what you saved — and know exactly where you stand
Tax-efficient drawdown for IRAs, 401(k)s, and 403(b)s — paired with the Color of Money Risk Analysis to map your road to retirement.
Most Americans spend decades contributing to retirement accounts — but almost no time planning how to exit them. Every IRA and 401(k) dollar is a future tax bill, and how (and when) you take it out can dramatically change how much you keep, how much your spouse keeps, and how much your children eventually inherit.
A Capital Legacy IRA Exit Strategy looks at your full picture — Social Security, pensions, brokerage accounts, real estate, and qualified money — and builds a coordinated plan to minimize lifetime taxes and maximize what you pass on.
Four pillars of a smart IRA exit
Tax-aware distribution planning
Map out which accounts to draw from, in what order, and at what pace to keep more of every dollar.
RMD impact reduction
Required Minimum Distributions can push you into higher brackets. We model strategies to soften that hit.
Roth conversion strategy
Strategic conversions during low-income years can move dollars to tax-free buckets — for you and your heirs.
Beneficiary & legacy design
After the SECURE Act, most non-spouse heirs must drain an inherited IRA in 10 years. We plan around it.
Discover your Color of Money score
The Color of Money Risk Analysis assesses your full financial picture and produces a roadmap to your overall risk preferences — one of the clearest first steps on the road to a confident retirement.
1. Start the Risk Analysis
Answer a short series of questions about your current finances, goals, and comfort with risk. Takes about 5–10 minutes.
2. Receive your Color of Money score
Your answers generate a personalized score that reveals how your portfolio aligns with your true risk tolerance.
3. Review your roadmap
We'll walk through the results together — what's working, what's exposed, and where there's opportunity.
4. Build your retirement strategy
From there, we design a coordinated plan: IRA exit, income, tax efficiency, and legacy — all aligned to your score.
Why take the analysis?
Most people don't actually know how much risk is hiding inside their retirement accounts. The Color of Money score gives you — and us — a clear, objective starting point.
- See where your portfolio sits on the risk spectrum
- Identify gaps between your goals and your current plan
- Compare individual or joint (spouse / partner) scenarios
- Get a tailored conversation, not a generic pitch
- Pair results with an IRA Exit Strategy for tax-smart drawdown
Why this matters now
Tax brackets, RMD ages, and inheritance rules have all changed in the last several years — and they'll keep changing. A plan written five years ago may already be costing you and your heirs money.
- Coordinate Social Security timing with IRA withdrawals
- Use lower-income years for Roth conversions
- Avoid IRMAA Medicare premium surcharges
- Protect a surviving spouse from the widow's tax penalty
- Plan for the 10-year inherited IRA window
Every IRA dollar is a future tax bill
A quick explainer on why understanding the tax side of your retirement accounts is the first step to keeping more of what you've saved.
Don't let taxes burn through your legacy
See how a coordinated exit strategy can protect your nest egg from unnecessary tax exposure over a lifetime.