The Tax report, round 2 — Robert's post-booking experience: mirage VO → RMD bite → double-dip VO → widow's-penalty flip → rate slider → meeting agenda → CTA. Scroll the phone, press play on each block.
Funnel 3 · Tax

What your statement isn't telling you, Robert

Age 62 · ~$700k in a 401(k)/IRA

✓ Your call with Cody is locked in — Mon, Jun 16, 9:30 AM

1 Cody explains · 0:22

The number on your statement is a mirage

$700k STATEMENT −$196k taxes yours ≈ $504k REALITY
0:22
C
▶ Cody: "Why the number on your statement is a mirage"

HyperFrames animation + ElevenLabs voiceover — Cody talks, the picture moves.

2 Watch it happen

At 73, the IRS starts the withdrawals — for you

Play age 73 → 90
AGE 73
 
TRADITIONAL IRA ····7218 ENDING BALANCE $700,000 PAID TO THE IRS SINCE AGE 73 $0 −$7.4k

Your statement barely moves. The jar fills anyway.

Illustration: $700k, ~6%/yr growth, an assumed 28% blended rate, today's IRS schedule. The required percentage rises every year.

3 Cody explains · 0:38

The same dollar gets the IRS paid twice

YOUR IRA $700k IRS paid ×0 "the line" — set by law provisional income SOCIAL SECURITY $2,300 / mo up to 85% — now taxable too $1,000 tax TAXED TWICE
0:38
C
▶ Cody: "How one withdrawal taxes your Social Security too"

One withdrawal, two taxes: its own — and the share of Social Security it drags over the line.

4 Interactive

If you're married, there's one more surprise

The same income: $75,000 · illustrative
To the IRS
$8,536
Left to live on
$66,464
 
Two of you, wider brackets — this is the version on your statement today.

Same income. Tighter brackets. Bigger slice.

The survivor files single starting the year after — at the worst possible moment. And the forced-withdrawal schedule doesn't pause.

?

How exposed would your spouse be — and what softens it in advance? Cody checks your numbers on Monday's call.

5 Your turn

Where do tax rates go from here?

If your blended rate ends up at 24%
nobody knows this number — drag it
18%24%28% — used above32%
The IRS's slice
$168k
of your $700k — before you spend a dollar of it.
Actually yours
$532k
what the statement's $700k really means at that rate.
Rates are set by Congress — not by you. The one thing you do control is when you pay.

6 Your meeting with Cody

Three things Cody maps with your real numbers

1

Which dollars to reposition first — and in what order. Your sequence, on your numbers. Not a rule of thumb.

2

Your runway before 73. Eleven years where you still pick the timing — and what each one is worth.

3

Your widow's-penalty exposure. If you're married: what the survivor's brackets would do, and what softens it in advance.

Have handy — that's all
Rough 401(k) / IRA balancesLast year's tax return (if easy)

About 30 minutes. Cody brings the math — you bring the statements.

You're all set, Robert. Cody has your numbers. Mon, Jun 16 · 9:30 AM. Add to calendar

Hypothetical, for illustration only. Tax figures use an assumed blended rate for illustration; your situation differs. RMD animation assumes an illustrative 28% blended rate, ~6% annual growth, and the current IRS Uniform Lifetime Table. The filing-status illustration compares today's joint vs. single brackets on the same illustrative income. RMD ages and tax rates are set by law and can change; Social Security taxation thresholds and filing-status brackets are also set by law and can change; nothing here predicts future rates. Not tax or investment advice — consult a qualified tax professional.

Design rationale · v2

What changed, and why