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Set up a co-branded version of the Retirement Tax Exposure Tool for a partner or advisor. It works exactly like the original tool — their logo (or name) appears alongside Y-UFinancial’s, and leads from their link go straight to their inbox. Once generated, send the link to them to share with their prospects.

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Retirement Tax Exposure Tool

See what letting your account sit would actually cost you.

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This tool is for people between the ages of 18 and 75. Please enter an age in that range to see your results.
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Let It Sit & Pay Taxes As You Withdraw
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Total tax you'll pay from your retirement age onward as you take withdrawals, with growth on the account factored in

Select your assumptions above to see this estimate.

These are rough estimates based on 2026 federal tax brackets, IRS life expectancy tables, and standard withdrawal rules. Your required minimum distribution (RMD) age is estimated from your current age under the SECURE 2.0 Act (age 73 for those born 1951–1959, age 75 for those born 1960 or later), not a fixed number. Starting at that age, your income is assumed to drop to 75% of today's amount for the rest of the projection. Your standard deduction is applied automatically based on filing status, and tax is calculated as the additional tax your withdrawal creates on top of your other income, using full progressive bracket math. Any balance still remaining at age 100 is modeled as passing to a beneficiary who must fully distribute it within 10 years under current law, taxed using your own income and filing status rather than the beneficiary's, since the tool has no way to know those. Actual amounts depend on market performance, future tax law, and your specific situation. Not tax or investment advice.

SmartLock™ strategies can reduce projected retirement tax exposure by 40–90% compared to letting an account sit.

This range comes from our own comparison scenarios, not a guarantee or a track record of past client results. Your actual reduction depends on your balance, growth rate, age, and tax situation. Download your report below, then talk to a Y-UFinancial advisor about your own numbers.

Fill in the fields above to download your results

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