Retirement risk pillar
Durant Tax risk
Tax risk looks at how federal and state rules shape your after-tax income over time. We surface RMD, IRMAA, and location-driven drag so you can see pressure points—no advice or promises. This view emphasizes signals and scoring context for Durant, OK.
What drives this risk
We focus on directional, data-backed signals. No advice, no guarantees. The goal is to surface where this pillar can derail a plan so you can adjust with clarity.
Federal + state tax drag
Combined marginal rates and phaseouts influence after-tax withdrawals and cash flow.
RMD timing and size
Required minimum distributions can push you into higher brackets or trigger surcharges.
IRMAA exposure
Income-related Medicare adjustments increase healthcare costs at certain thresholds.
Withdrawal sequencing
Order of withdrawals (taxable, tax-deferred, Roth) changes lifetime tax burden.
Location differences
State and local tax rules (pension exemptions, property tax, sales tax) alter long-run drag.
Data sources we use
- • IRS federal brackets, RMD tables, and IRMAA thresholds
- • State tax policy data (income, pension treatment, property tax context)
- • Location-driven cost inputs that affect withdrawal needs
How it shows up in your score
Brackets + surcharges
Federal + state brackets, phaseouts, and IRMAA thresholds shape your after-tax income. More exposure means a higher score.
RMD timing
Required minimum distributions can force higher taxable income; timing influences your pillar score.
Location drag
State and local tax treatment, property taxes, and retirement policy nuances affect your net withdrawals. Higher drag lifts this score.
Withdrawal sequencing
Order of withdrawals (taxable vs tax-deferred vs Roth) influences lifetime tax exposure and IRMAA risk. More flexibility can lower your score.
What you can do here
- • Run the assessment to see your preliminary tax sub-score.
- • Compare states to see how location changes tax drag and IRMAA exposure.
- • Use scenarios (coming) to test timing and withdrawal sequencing impacts.
Educational only. No advice or sales—any future referrals remain opt-in.
Explainer
Why tax risk matters to you
Taxes, RMD timing, and IRMAA shape your after-tax income. Location matters for net withdrawals over decades.
Your score starts with state marginal burden as a proxy and expands to retirement-specific treatments as public data allows.
Signals we consider
- • Your score starts with top marginal rates as a proxy and expands to pension treatment/credits as data is added.
- • Federal overlays: RMD and IRMAA timing can spike taxes/premiums.
- • Sequencing: Withdrawal order interacts with state policy across years.
FAQs
- Do you include property and sales tax? — Property/insurance flow through housing; sales tax into cost levels. This pillar focuses on income/retirement tax drag.
- Will tax data update automatically? — Yes—as new state tax rules ingest, scores update; we avoid static assumptions.