MOST pre-retirees and retirees are struggling with paying more taxes in retirement than they ever did while they were working
Finally See Exactly How Much Of Your Retirement The IRS Will Take — And What To Do About It — Without Complex Financial Jargon
ATTENTION: Pre-Retirees & Recent Retirees Looking To Keep More Of What They've Saved
A plain-English guide for hardworking families with $100K–$6M+ saved who want to maximize their income before and during retirement.
Dominique M.
"Renner Financial Coaching is absolutely worth the investment—literally. Bobby didn't just hand me a plan; he takes the time to walk you through every detail, gives it to you straight, and makes financial planning feel personal, not overwhelming. His approach is clear, honest, and tailored—no fluff, no jargon. If you're serious about taking control of your money, this isn’t a cost—it’s a smart move."
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MOST pre-retirees and retirees are struggling with not knowing how much of their savings the IRS will actually let them keep
Introducing The Tax-Free Retirement Starter Kit
You've spent decades doing the right thing — maxing out your 401(k), your TSP, your 403(b). You played by the rules. And now, as retirement gets closer, a quiet fear is setting in: how much of this is actually mine to keep?
Here's what most financial advisors won't tell you until it's too late: every dollar in a traditional 401(k) is a dollar the IRS hasn't taxed yet. You don't have $500,000 saved for retirement. You have $500,000 in a shared account — and the IRS is a silent co-owner. What you actually have depends on what tax rates look like when you start withdrawing.
The Tax-Free Retirement Starter Kit is a free, plain-English guide that walks you through the three strategies Bobby Renner's team uses every week to help middle-class families restructure their retirement savings so they control the tax bill — instead of the other way around. No jargon. No pitch. Just the honest roadmap that the wealthiest families in America have been using for decades, finally explained in language that makes sense.
Perfect for anyone who:
Has $100K or more saved in a 401(k), TSP, 403(b), or IRA and is 5–10 years from retirement
Is already retired and realizing their withdrawals are creating a bigger tax bill than expected
Wants to stop guessing and finally understand what a tax-efficient retirement actually looks like
WITHOUT needing to:
❌ Already be a millionaire or have a complex financial situation
❌ Understand tax law or financial planning terminology
❌ Switch advisors or make any changes before you're ready
❌ Spend hours researching strategies that may or may not apply to you
Here's how The Tax-Free Retirement Starter Kit works:
And here's everything inside the kit, completely free...
This is The Tax-Free Retirement Starter Kit — the clearest explanation of retirement tax strategy available for working families today.
Built for people who are serious about protecting what they've saved.
And it's the ONLY starting point you need to understand what tax-free retirement actually means for your situation
... without the jargon, the sales pitch, or the confusion.
A straightforward, no-fluff guide.
To help you finally see what a tax-smart retirement looks like for you.
WHAT'S INSIDE THE KIT
Inside The Tax-Free Retirement Starter Kit, you will get:
The moment you sign up, you'll get a secure download link for the 14-page PDF guide. Page 1 is your Take-Home Page — ten blanks you fill in with one pen — and the Money Map on page 2 is Day 1 of your first 90 days. No fluff, no filler, just the information that matters.
Part 1: The 3 Retirement Traps — What Most Families Get Wrong
- Why relying solely on a 401(k) or TSP is a bet that taxes stay low forever — and why that's a risky assumption.
- The "Magic Number" myth: why $1M in the wrong account can underperform $600K in the right one.
- The Social Security tax trap that quietly wrecks more retirements than any market crash.
Part 2: The Three Income Buckets — The Framework Every Retirement Needs
- A simple table showing exactly how tax-deferred, taxable, and tax-free accounts are treated differently at withdrawal.
- Why the mix of buckets — not the total balance — determines your real retirement income.
- A plain-English explanation of how two retirees with the same income can end up with completely different federal tax bills — depending on which bucket the money comes from.
Part 3: Strategy One — Strategic Roth Conversions
- When a Roth conversion makes sense and when it doesn't.
- The three mistakes that sink most do-it-yourself conversions (and how to avoid them).
- How to identify your best "conversion window" — the low-income years when moving money costs the least.
Part 4: Strategy Two — The Self-Funded Pension Plan
- How a Self-Funded Pension — a category of protected structures, not a single product — recreates the monthly paycheck of a traditional pension.
- The floor explained simply: a limit on the downside for the money you're retiring on, with indexed growth on the upside.
- Who this fits — and the honest trade-offs to understand before considering it.
Part 5: Strategy Three — Claiming Order & Withdrawal Sequencing
- Which to turn on first — Social Security at 62, your Full Retirement Age, or 70 — and why claiming on autopilot leaves real money behind.
- The order you spend your accounts down, and how it changes the tax on your Social Security and your Medicare premiums.
- Your RMD year, the penalty for missing one, and the pre-RMD window most retirees waste.
Join Dozens Of Families Who've Finally Gotten Clarity On Their Retirement
FAQ
Here's The Answers:
I'm already retired. Is it too late to use these strategies?
Not at all. Roth conversions, withdrawal sequencing, and guaranteed income planning are all relevant during retirement — sometimes even more so once you're already drawing income.
I have about $200,000 saved. Is this relevant to my situation?
This guide is most useful for families with $100,000 or more in retirement accounts. The strategies become more impactful the more you've saved — because there's more to protect.
I already have a financial advisor. Is this still relevant?
Yes — especially if your advisor has never walked you through the three-bucket framework or discussed tax-free strategies like Roth conversions or a Self-Funded Pension. This guide helps you ask better questions, regardless of who you work with.
Is this actually free?
Yes, completely. There's no credit card required and nothing to buy. The Tax-Free Retirement Starter Kit is a free educational guide from Renner Financial Group.
Is this a sales pitch for a product?
No. The guide is educational. At the end, we do invite you to book a free 30-minute Retirement Strategy Call if you'd like a second set of eyes — but there's no pressure, no pitch, and no obligation.
How do I get the guide?
Click the button below, enter your email, and you'll receive the download link within 2 minutes.
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