The $847,000 Tax Mistake — The Continuum Group
Complimentary 60-second qualifier
Real Case Study

How a $2.3M IRA Cost a Retired
Engineer $847,000 in Avoidable Taxes
And the 8-Year Window That
Could Have Saved It

He did everything right. Maxed his 401(k) since 1987. Then his first RMD pushed him into the 32% bracket, spiked his Medicare premiums $4,200, and made 85% of his Social Security suddenly taxable. The Roth Accelerator models the next 20 years — three ways — before the 2026 brackets reset.

Three scenarios modeled: do nothing, partial, full conversion
Year-by-year tax + Medicare + bracket projections
Complimentary for families with $1M+ in qualified accounts
The Trap Most $1M+ IRAs Walk Into

Your First RMD At 73 Isn't One Tax Bill — It's Three

A $94,000 forced distribution on a $2M IRA doesn't just get taxed at your marginal rate. It pushes you into a higher bracket, triggers IRMAA Medicare surcharges, and makes up to 85% of your Social Security taxable — when only 50% may have been before.

Compounded over 15 years of forced withdrawals on a portfolio that keeps growing, that's the $847,000 the average $1M+ IRA owner never sees coming.

The Roth Accelerator models the 8-year window between retirement and age 73 — the only window left to choose your own bracket, eliminate RMDs entirely, and pass your IRA to your heirs tax-free.

✕ No Wall Street
✕ No Lockups
✕ No Guesswork
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The Continuum Group · Advanced Planning We model multi-year Roth conversions for families with $1M+ in qualified accounts. Year by year. Bracket by bracket. Medicare premium by Medicare premium. You bring your statements; we run the actual numbers three ways — and you decide what to do with them.

See Your Three Scenarios Before The 2026 Brackets Reset

The Trump-era brackets expire 12/31/2025. The 22% becomes 25%. The 24% becomes 28%. The next 18 months may be the cheapest tax window your IRA ever sees.

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This page is for educational purposes only and is not tax, legal, or investment advice. Consult your own qualified professionals before making any decision. The Continuum Group is not affiliated with the Social Security Administration, IRS, Medicare, or any government agency. Not affiliated with or endorsed by Facebook™.