The Real Number Action Guide
The short, practical guide: find your family's real number and the first steps that lower it.
Get the Action GuideFinancial Advising
Everything starts with a plan
Whether it's buying a home, paying for college, or improving your credit, everything starts with a plan. Using our proprietary planning program, we can help design the blueprint for you to achieve your goals.
A plan here isn't a binder that sits on a shelf. It's a sequence — what to fix first, what to fund next, and what to protect while you build — built on proven strategies designed to meet your risk tolerance and stand up against market volatility.
Planning we do
Retirement planning
Know what you'll need, what you have, and the honest distance between the two — then close it on purpose.
College planning & funding
A funding plan for your kids' education that doesn't quietly eat your retirement.
Insurance planning
The right protection, in the right amount — as an independent firm, we can access many different products and fit them to you.
Debt elimination — the G.O.O.D Program
Let us show you how to be debt free in 2–7 years without spending more than you're currently spending now.
Home buying & credit
Buying a home or improving your credit both start with the same thing: a plan you can actually follow.
Estate & retirement coordination
Your plan and your paperwork, working together — see estate planning.
College Planning & Funding
Know your number before the applications go out
Every family with a kid heading toward college asks the same question at the kitchen table: what is this actually going to cost us? The sticker price won't tell you. Two families can send students to the same school and pay prices thousands of dollars apart — because the real price depends on your family's aid picture, not the number in the brochure.
Run the free calculator below. Search the schools your student is considering — compare up to three, side by side — and enter a few basics about your household. You'll see each school's real net price for a family like yours, measured against your Student Aid Index — the number colleges use to decide what your family can pay — and the gap between what you'll owe and what you've saved. Then print your page and keep it. No account, no sales call.
The College Funding Playbook
The full do-it-yourself playbook for paying for college without wrecking retirement.
Get the PlaybookProfessional Plans & Consultation
We screen your family's numbers, build the full written plan, or carry it out with you — see the plan levels. Or start with a college funding consultation — $49.99 for 30 minutes — and leave with your real number.
Book a college consultation — $49.99Retirement Planning
Your IRA has a silent partner
Every dollar in a traditional IRA or 401(k) came with a deal: no tax on the way in, tax on the way out. Most people never see the second half of that deal priced out — until required minimum distributions begin and the bill arrives on the IRS's schedule, not theirs. Social Security is set for 2027 — a 3.6% cost-of-living increase, an average retired-worker benefit of $2,170 a month — but your tax-deferred accounts are still running on rules most savers have never had explained in one place.
Play with the free calculator below. It shows the size of the tax bill current law has scheduled against your savings. Your detailed, personalized numbers — year by year, and what the moves that shrink the bill are worth — stay behind the report unlock, where they belong.
3.6%
Social Security cost-of-living increase (COLA) for 2027.
$2,170 / month
Average retired-worker benefit, January 2027. Maximum at full retirement age: $4,188 / month.
$25,560 / year
2027 earnings-test exempt amount before full retirement age ($67,920 in the year you reach it).
Source: Social Security Administration, 2027 figures. The 2027 payroll (OASDI) wage base is $192,300.
Run your numbers — the Retirement Tax Bomb calculator
Estimates only, based on the assumptions under the results. Nothing you enter here is a recommendation.
Free to play with. Your detailed numbers — the year-by-year breakdown, what your heirs face, and what the defusal moves are worth — unlock below.
Your projected retirement tax bomb
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That's the estimated income tax current law has scheduled against your tax-deferred savings — the tax on your own required withdrawals over your lifetime, plus what your heirs would owe emptying what's left under the SECURE Act's 10-year rule. It is not a bill you chose. It is a bill you can still change.
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Projected balance when RMDs begin (age 73) — your account, grown at your assumed rate, contributions stopped at retirement.
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Your first required withdrawal. The IRS schedules it whether you need the money or not — and it's all taxable income.
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Estimated lifetime tax on your withdrawals, before your heirs' share. The detailed math is in your report.
Where the projected money goes
How this illustration works: steady growth at the rate you chose; contributions added at year-end until your retirement age; no withdrawals before required minimum distributions (RMDs) begin — age 73 if you were born 1951–1959, 75 if born 1960 or later; RMDs from the IRS Uniform Lifetime Table; tax estimated at the brackets you selected (plus your state pick, if any). It does not model changing tax law, Social Security taxation, Medicare IRMAA surcharges, or market ups and downs — each of those can move the real number, usually up. Hypothetical illustration for education only; not a projection or promise of any outcome, and not individualized tax advice.
Your actual numbers are ready to build
The free calculator shows the size of the problem. Your personalized package shows your problem, year by year — and the moves that shrink it:
- Your Personalized Tax Bomb Report — your year-by-year RMD and tax table from your first required withdrawal to age 95
- Your heirs' 10-year-rule exposure — what the SECURE Act hands your beneficiaries, in dollars
- The defusal scenarios, priced — what a Roth conversion window and charitable distributions could be worth on your numbers
- The full Retirement Tax Classroom webinar — the three decisions, taught by Kinji, included with your unlock
- The Retirement Tax Bomb guide — the defusal playbook in writing, yours to keep and share with your family
All of it together: $9.97 — one payment, delivered to your inbox.
Get my personalized Tax Bomb report
Prefer to talk it through one-on-one first? Book a consultation — a paid working session where we look at your whole picture.
Debt Elimination · The G.O.O.D Program
Your debts have a payoff order
Most households pay whatever each statement asks, in whatever order the bills arrive — and the interest quietly runs the show. The G.O.O.D Program — Get Out Of Debt — works the other way: it lines your debts up in a payoff order and redirects what you already pay, so you can be debt free in 2–7 years without spending more than you're spending now.
It starts free. One short form sends you the starter guide and opens a two-minute calculator that shows your two paths side by side: keep paying the way you are now, or follow the order. No account numbers, no credit pull, no appointment required.
Home Buying
How much home fits your life?
Before the listings and the open houses, there's one number worth knowing: the price that fits the budget you actually have. Answer a few quick questions and this light calculator estimates the home price your income can carry — and shows the monthly payment split out honestly, so there are no surprises hiding in it.
Run your numbers — the home affordability calculator
Estimates only, from the standard budget lenders start with. Nothing you enter here is saved or sent anywhere.
Taxes and insurance are prefilled with typical estimates — change them if you know yours, for a closer number.
A home price that fits your budget
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Principal & interest—
Property taxes—
Homeowner's insurance—
Estimated monthly payment—
This is an estimate to plan with — not a pre-approval and not a loan offer. A lender decides from your full picture: credit, income documents, and the property itself.
Want your real number run properly? A consultation is a paid working session — we run your actual income, debts, and credit picture, and map the path from here to the house.
Trust & Estate Planning
What you build should reach the people you love
Your plan earns and grows the money. Your paperwork decides where it goes — and who steers if you can't. Trust and estate planning puts the right documents around what you're building, so your family is protected and your wishes, not a court's defaults, do the deciding.
Start the way we start everything: with clarity. Our estate planning page lays out what a trust is, how probate fits, and why funding the trust is the step most people miss — in plain English, before you commit to anything.
Start with Trust & Estate Planning
Trusts and asset protection — one-time payment $1,995.
The Claiming Studio is free to use. Compare any two claiming ages and watch the break-even chart cross, run three household strategies side by side if you're married, and read the ground rules in plain English. When you want it in writing, your personalized report and the Claiming Guide are $9.97.
Open the Claiming Studio