You've Spent Decades Building This. Let's Make Sure the Tax Code, the Market, and Time Work in Your Favor — Not Against It.
Dora Wysocki, CAS® · Certified Annuity Specialist · Certified Tax Specialist (CTS™ — In Progress)
I help pre-retirees build a guaranteed income floor they cannot outlive. I help high earners build tax-advantaged accumulation their 401(k) alone cannot create. Three coordinated insurance tools. No AUM fees. CPA collaborative. Works with clients nationwide, licensed where she does business.
You get one retirement. The tools that protect it — and the way they coordinate with each other — are worth reviewing while you still have the widest range of options available to you.
CAS® Certified · CTS™ In Progress · Five Risks Coordinated · No AUM Fees · CP12A Collaborative · Works nationwide, licensed where she does business · Google 5★
What happens in the 30-minute analysis? Purely educational. No obligation.
One Specialist, Two Solutions
Two Different Problems. Two Specific Solutions. One Specialist Who
Coordinates Both.
Within 10 Years of Retirement
If you are within 10 years of retirement and concerned about market exposure, outliving your savings, or the tax burden on your 401(k) — you may benefit from a guaranteed income floor and a Roth conversion coordination strategy that work together as one plan. The instrument is an annuity. The connection to your CPA is what makes it complete.
Earning $200K or More
If you are earning $200K or more, have maximized your 401(k) contributions, and are still writing a substantial check to the IRS each April — you may benefit from a tax-advantaged accumulation vehicle (an IUL under IRC Section 7702) that is not subject to IRS contribution limits or RMDs, coordinated with a Roth conversion strategy designed for your income level. When properly structured and kept in force, value may be accessed on a generally income-tax-free basis through policy loans; insurance costs apply. The instrument is IUL. The connection to your CPA is what makes it complete.
You're Not Behind
If You've Been Meaning to Address This, You're Not Behind. You're at the Right Moment.
Most people who find this page have done the right things. They saved consistently. They worked with a CPA. They invested carefully. What they often haven't had is someone who coordinates all the pieces — the income side, the tax side, and the protection side — as one connected plan.
That is not a failure. It is simply a gap that most financial professionals are not structured to fill. This practice is built specifically for that gap.
The 30-minute Retirement Gap Analysis is purely educational. You'll leave with a clear picture of which of the five retirement risks your current plan addresses well — and which ones it doesn't. No products are sold in that conversation. No obligation follows.
A Note on Fit
This Practice Is Designed for a Specific Type of Client.
Here Is Who It Is Not For
This is not for someone looking for a quick product comparison or a single Annuity or IUL quote.
This is not for someone who is not yet serious about coordinating their retirement income plan, their tax picture, and their protection strategy as one connected system.
This is not for someone who has no interest in working collaboratively with their CPA as part of the planning process.
If that is you — there are many excellent resources available, and we respect that entirely.
This practice works with pre-retirees, retirees, and high earners who are ready to think about retirement income as an engineered system — and who want a specialist who coordinates the insurance products architecture like Annuities or IUL, hands their CPA a complete picture, and charges no ongoing AUM fee for doing so.
If that description fits — the Retirement Gap Analysis is a good first step.
Five Retirement Risks
The Five Retirement Risks. Most Advisors Address One.
This Practice Coordinates All Five.
Market Risk &
Sequence of Returns
A 20% market loss in year one of retirement can cause substantially more cumulative damage than the same loss fifteen years in. (Add a small line: “Illustrative; results depend on assumptions.”) A Fixed Index Annuity addresses this structurally: your income floor is established by contract, and downward index movement results in a zero indexed credit — not a negative one.
Annual insurance charges apply. Guarantees are backed solely by the claims-paying ability of the issuing insurance company.
Longevity Risk &
Tax Risk
A retirement that starts at 65 can last 25 to 30 years, while many income plans are built for about 15. [Add a source for this figure, e.g., a named actuarial table + year.] Every dollar in a traditional 401(k) comes out taxed as ordinary income, and RMDs at age 73 force withdrawals whether you need them or not. A contractual income floor plus a coordinated Roth conversion strategy — executed with your CPA — can address both.
Healthcare &
Long-Term Care Risk
Private nursing home care now exceeds $100,000 per year, and 70% of people turning 65 will need some form of care. Hybrid Life and LTC solutions offer a two-outcome structure: Estimates suggest many people turning 65 may need some form of care, and costs can be significant — a private nursing-home room can exceed $100,000 per year. Hybrid Life and Long-Term Care solutions offer a two-outcome structure: if qualifying care is needed, benefits may be available on a generally income-tax-free basis; if care is never needed, a generally income-tax-free death benefit may pass to your family. Benefits and tax treatment depend on the policy and your circumstances; consult a qualified tax professional.
Guarantees are backed solely by the claims-paying ability of the issuing insurance company.
60-Second Self-Check
How Coordinated Is Your Retirement Plan Today? — A 60-Second Self-Check
FOR HIGH EARNERS
The Conversion Window. Most High Earners Don't Know It Exists. Fewer Know How to Use It.
Between the day you stop working and the day Required Minimum Distributions begin at age 73, there is a window. Your income is lower. Your effective tax bracket is lower. Annual Roth conversion capacity exists — the precise amount depends on your filing status, all income sources, and current tax brackets. Because this window is defined by your age and income, it is available for only a limited number of years — which is why some people choose to evaluate it earlier rather than later, so any decision can be made with time and complete information.
The role of this practice: identify the window, model how it interacts with your annuity income floor and IUL strategy, and deliver a complete coordination picture to your CPA. Your CPA determines the optimal annual conversion amount, manages IRMAA Medicare premium thresholds, and executes the filing. Both sides work as one system.
CLIENT REVIEWS
What Clients Say on Google
DW Financial Group · (908) 738-9836