Taxes in Retirement Assessment

Are You Paying More Taxes in Retirement
Than You Have To?

Social Security is taxable. IRA withdrawals are taxable. RMDs can force you into higher brackets. Without a strategy, you could lose tens of thousands that should stay with you.

Discover My Tax Exposure — Free →

4 minutes  ·  No signup required  ·  Not a sales pitch

85%
of Social Security can be taxable at higher incomes
Age 73
When the IRS forces withdrawals from your pre-tax accounts
25%
Penalty for missing a Required Minimum Distribution
$50k+
Estimated lifetime savings from a Roth conversion strategy
How This Assessment Works
Keep more of what you've saved — before the IRS, the tax torpedo, and IRMAA take their cut.

Answer questions about your account types, income sources, and retirement timeline. Get a Retirement Tax Score with the moves — Roth conversions, RMD planning, capital-gain harvesting — that actually change your tax bill.

Find your Roth conversion window
The years between retirement and RMDs are often the lowest-tax-bracket years of your life. Most people miss them. We check whether conversions could save you six figures over time.
Avoid the tax torpedo & IRMAA
Up to 85% of Social Security can become taxable, and higher income triggers IRMAA Medicare surcharges. We flag the income cliffs you're about to walk off.
Coordinate RMDs, gains, SS
Which account you pull from matters. We model the withdrawal order that keeps you in lower brackets, year by year.

Not tax advice. Retirement tax strategy is highly individual. Use this to prep for a conversation with a CPA or tax-focused financial planner.

The Tax Traps That Blindside Retirees

These aren't loopholes. They're basic retirement tax planning that most people never do — and the cost of inaction is enormous.

01
Critical
Decades of tax-deferred growth becomes one massive tax bill at 73
Required Minimum Distributions force you to withdraw from pre-tax accounts whether you need the money or not. Large RMDs push you into higher brackets and can trigger IRMAA Medicare surcharges.
02
High Risk
Up to 85% of your Social Security is subject to federal income tax
Most retirees are surprised: once your combined income exceeds $44,000 (married), up to 85% of Social Security is taxable. Without planning, this erodes your fixed income significantly.
03
High Risk
The Roth conversion window closes once RMDs begin
The years between early retirement and age 73 are often your lowest-income years — the ideal window for Roth conversions. Most people discover this strategy after that window has closed.
04
Important
IRMAA surcharges add thousands to Medicare premiums
High income triggers IRMAA surcharges of $2,000–$6,000/year on Medicare premiums. It's based on income from 2 years ago — surprises are very common without proactive planning.

What Your Free Tax Assessment Reveals

8 questions. A personalized tax exposure score. A clear action plan for reducing your retirement tax burden.

✓
Whether your retirement portfolio is tax-diversified (pre-tax, Roth, and taxable)
✓
Your RMD exposure — and whether you're at risk of a forced tax spike at age 73
✓
If a Roth conversion strategy could save you significantly in the coming years
✓
How much of your Social Security income will be taxable in your situation
✓
Whether you're at risk for IRMAA Medicare surcharges based on your income
✓
State-specific retirement tax rules and a prioritized action checklist

Three Steps. Four Minutes.

No login. No credit card. No sales call.

1

Answer 8 Questions

About your account types, income sources, and age. No tax returns required.

2

See Your Score

Get your Tax Exposure Score and your top risks instantly — completely free.

3

Follow Your Plan

Unlock step-by-step guides for each opportunity, personalized to your state.

What It's Worth

For $39/month, stop paying $30,000–$80,000 in avoidable retirement taxes

Tax planning in retirement is not about cheating — it's about sequencing withdrawals intelligently. Most retirees overpay by tens of thousands of dollars simply because nobody showed them the options.

Wrong Withdrawal Order
Draining tax-deferred accounts first
$30,000–$60,000
in avoidable taxes — the order you withdraw from Roth, traditional, and taxable accounts dramatically changes your lifetime tax bill
Missed Roth Conversions
No Roth conversion strategy before RMDs
$20,000–$80,000
in taxes that Roth conversions in low-income years could have eliminated — the window between retirement and RMDs is golden
RMD Tax Spike
Required Minimum Distributions pushing you into higher brackets
$5,000–$25,000/year
in extra taxes once RMDs kick in at 73 — proactive planning before then can significantly reduce the damage
Social Security Taxation
Up to 85% of SS benefits taxable
$3,000–$15,000/year
in avoidable SS taxes — provisional income management and Roth conversions can reduce the taxable portion
Avoidable taxes over a 25-year retirement
$100,000–$250,000
vs
Sema Legacy annual cost
$349/year

The IRS doesn't send you a refund for taxes you didn't have to pay. A 5-minute assessment shows exactly where your retirement tax gaps are.

Document Vault
Store, organize, and AI-analyze your important documents

Upload your will, trust, insurance policies, and healthcare directives. Sema Legacy keeps them organized by topic — and AI reads them to flag what's outdated or missing.

Secure upload — PDF, images, Word
AI document analysis
Smart document checklist
Organized by topic
Never shared with third parties  ·  Included with your plan
Free Assessment

Find Out How Much Tax You Could Save in Retirement

Most people discover $10,000–$50,000 in avoidable taxes. It takes 4 minutes and costs nothing.

Start My Free Tax Assessment →

4 minutes  ·  No signup  ·  Not a sales pitch

Educational Use Only. Sema Legacy provides educational information, not tax advice. Tax laws are complex and change frequently. Always consult a qualified CPA or tax advisor who specializes in retirement planning.