Retire REGAL® · Owens Financial Group

Tax Kraken™
Threat Assessment

A personalized look at the three feedings on your tax-deferred wealth.

Prepared For

—

Owens Financial Group, LLC

Retire REGAL® Framework

Section 1 · Snapshot

Your Inputs

This assessment was generated using the values you provided. Adjusting any input will change the projected exposure.

Input	Value

Hypothetical Lifetime Tax Exposure

The Tax Kraken™ feeds three times on tax-deferred wealth. The figure below is the estimated total of those three feedings, in nominal future dollars, before any corrective strategies are applied.

Hypothetical Lifetime Tax Exposure

$—

—

Feeding	What it is	Modeled Tax
I	Required Minimum Distributions	$—
II	Reinvested Distribution Growth Taxes	$—
III	SECURE Act 10-Year Rule on Inherited IRAs	$—
Total		$—

Section 2 · The Three Feedings

—

Section 3 · Corrective Measures Preview

Strategy Preview

The free assessment reveals the size and source of the Tax Kraken's reach. It may also show a limited Roth conversion preview. The full Retire REGAL® Review is where the levers are sequenced, sized, and coordinated with taxes, income, Medicare, legacy goals, and professional review.

No review-level corrective strategy was fully modeled in this free assessment. The Retire REGAL® Review determines sequencing, sizing, and coordination.

Revised Lifetime Exposure

Original projected exposure	$—
After corrective measures applied in sequence	$—
Estimated reduction	$—

Section 4 · Your Next Step

Three Questions This Assessment Cannot Answer

1.	Which corrective measure should be used first?
2.	How much should be converted, redirected, protected, or gifted each year?
3.	How should taxes, income, Medicare, legacy, market risk, and professional review be coordinated together?

Your Retire REGAL® Review

From Assessment to Sequence.

Your assessment shows the Tax Kraken’s appetite. Your Review determines the sequence of corrective measures — what to address first, what to avoid, and what should be coordinated with your CPA, attorney, or other professionals.

calendly.com/ofg/retire-regal-review

Freedom is never found by chance. It is built by design.

Important Disclosures

HYPOTHETICAL ILLUSTRATION: This Tax Kraken Threat Assessment™ is an educational and marketing communication for illustrative purposes only. It is not personalized tax, legal, investment, insurance, Medicare, Social Security, or estate-planning advice and should not be relied on as a tax projection or recommendation. All projections are hypothetical, based on user-provided inputs and simplified assumptions, and do not guarantee future results. RMD calculations use the IRS Uniform Lifetime Table (Pub. 590-B, App. B, Table III) by default and the Joint Life and Last Survivor Expectancy table (Table II) when the sole beneficiary is a spouse more than ten years younger than the account owner. Tax bracket assumptions are based on 2026 federal rates per IRS Rev. Proc. 2025-32 and related IRS 2026 tax-rate guidance, including the basic standard deduction, the regular age-65 additional standard deduction, and the temporary enhanced senior deduction available for 2025-2028 subject to MAGI phaseout. These rules are subject to change. SECURE Act 10-year rule illustrations assume non-spouse beneficiaries and simplified distribution timing. IRMAA screening uses 2026 CMS Part B and Part D income-related monthly adjustment tiers. Provisional income thresholds are based on IRS Pub. 915.

LIMITATIONS: This report does not fully model state-specific exemptions or deductions, graduated state brackets, local taxes, capital gains rates, Net Investment Income Tax, charitable deduction limits, tax credits, basis, carryforwards, Medicare MAGI adjustments, qualified-plan rules, beneficiary exceptions, trust taxation, CRT/DAF/QLAC implementation requirements, or changes in law. Actual results may differ materially. Consult qualified tax and legal professionals before taking action.

ROTH CONVERSIONS, CHARITABLE STRATEGIES, AND INSURANCE: Roth conversions, QCDs, donor-advised funds, charitable remainder trusts, QLACs, annuities, and insurance products may not be suitable for every person and may have tax, liquidity, cost, surrender-charge, underwriting, investment, beneficiary, and legislative risks. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company and are not guaranteed by any bank or the FDIC.

GOVERNMENT PROGRAMS: Owens Financial Group is not affiliated with or endorsed by Medicare, the Social Security Administration, the IRS, or any U.S. government agency. Consult Medicare.gov, SSA.gov, IRS.gov, and qualified professionals for official guidance.

SOURCE DATE: Core federal assumptions were reviewed for public deployment on May 12, 2026 against official IRS and CMS sources available as of that date. Future IRS, CMS, legislative, or state-law updates may make this illustration outdated.

PRIVACY AND CONTACT CONSENT: If you submitted this assessment through the website, you consented to be contacted by phone, email, or text regarding this assessment and retirement planning services and acknowledged the Privacy Policy and Terms of Use. You may opt out of communications at any time.

PROPRIETARY FRAMEWORKS: Retire REGAL®, REGAL Stronghold™, Five Foemen of Retirement™, Income Hydra™, Tax Kraken™, Tax Kraken Threat Assessment™, Legislative Leviathan™, Market Dragon™, Health Basilisk™, Five Realms of Retirement™, Permission Number™, and Care to Roar™ are trademarks of Owens Financial Group, LLC.

© 2026 Owens Financial Group, LLC. All rights reserved. Disclosure links: Privacy Policy, Terms of Use, Consumer Privacy Rights, Form CRS / Relationship Summary, and ADV Part 2A are available at RetireRegal.com and AdviserInfo.SEC.gov.

Retire REGAL® · Tax Kraken Threat Assessment™

Taming the
Tax Kraken™

The Tax Kraken™ feeds three times on tax-deferred wealth — your RMDs, reinvested distributions, and again when your heirs inherit. This free assessment estimates your exposure using simplified 2026 federal tax assumptions and IRS life-expectancy tables, then previews the corrective strategies that can be coordinated in your Retire REGAL® Review.

See the size and source of the problem — then discover which questions your Retire REGAL® Review is designed to answer.

Let's personalize your assessment

First name *

Last name *

Email address * We'll send your assessment summary here.

Phone number * So we can personally walk you through your results during your Retire REGAL® Review.

This page uses cookies and similar technologies, including third-party analytics or advertising tools, to understand usage and improve marketing. By using this page and submitting this form, you acknowledge the Privacy Policy and Terms of Use. Calculations run locally in your browser; submitted contact details and assessment information may be transmitted to Owens Financial Group systems for follow-up and recordkeeping.

Your contact information unlocks your personalized educational assessment. We do not sell your personal information. This assessment is a marketing and educational communication and is not individualized tax, legal, or investment advice.

Your retirement picture

Filing status

Married filing separately is not modeled in this public assessment because Social Security and IRMAA treatment can differ materially.

Have you had your birthday this year?

Used with your birth year below to determine your exact current age and your SECURE 2.0 RMD start age.

State of residence State taxes amplify every feeding — some states add 5–9% on top of federal. This tool applies a single flat rate per state for illustration and does not model retirement-income exclusions, Social Security exemptions, age-based deductions, or state-specific treatment of pensions and inherited IRAs. Your actual state liability may be lower.

Birth year Combined with your answer above, this determines your current age and your SECURE 2.0 RMD start age.

Spouse's age If your spouse is the sole IRA beneficiary and more than 10 years younger, IRS Table II applies — reducing your RMDs significantly

Traditional IRA / 401(k) balance

Annual Social Security benefit

Taxed differently — up to 85% may become taxable when RMDs begin

Other annual income (pension, rental, wages)

Fully taxable income separate from Social Security

Number of heirs inheriting IRA

Each heir's annual income (est.) One field per heir — heirs with different incomes will be taxed at different brackets on the inherited distribution. Inheritance is assumed to be split equally; only income varies per heir.

Assumed annual growth rate

Calculations run locally in your browser. If you submit the assessment, your contact details and assessment inputs may be transmitted to Owens Financial Group systems for follow-up, recordkeeping, and delivery of your summary. This tool is educational and is not individualized tax, legal, or investment advice.

Calculating the Kraken's three feedings…

First Feeding

Required Minimum Distributions

$—

Estimated taxes on RMDs

RMD begins at age—

RMD table applied—

Projected IRA balance at RMD start—

First year RMD (before tax)—

First year tax on RMD—

Social Security taxable portion —

Total taxable income with RMD—

Estimated bracket during RMD years—

Estimated total RMD taxes (life of distributions)—

State tax on RMDs (life of distributions)$—

Second Feeding

Reinvested Distribution Growth Taxes

$—

Taxes on reinvested RMD income

RMDs not needed for living expenses (est.)—

Reinvested balance after 10 years—

Annual taxable income from reinvested portfolio—

Annual tax on reinvested income—

Estimated total reinvestment taxes—

State tax on reinvested income$—

The Second Feeding is the most overlooked. Most people focus on RMDs as a cost — they forget that reinvested distributions create a second layer of annual taxable income that persists and compounds indefinitely.

III

Third Feeding — The Inheritance You Intended

Your Heirs Under the SECURE Act

$—

Est. total taxes paid by your heirs

Projected IRA balance at death (age 85 est.)—

Each heir's share of inherited IRA

Illustrative annual distribution per heir (spread evenly over 10 years)—

Each heir's combined income during distribution—

Heir's estimated tax bracket—

Estimated taxes per heir over 10 years—

Estimated total taxes across all heirs—

State tax on heir distributions$—

The Tax Kraken™'s Total Appetite

$—

The Legislative Leviathan™ — Rate Risk

2026 Bracket Engine

—%

$—

2026 Brackets +5 Points

—%

$—

Additional cost of a 5-point rate increase

$—

Tax rates will do one of three things: go down, stay flat, or go up. The Tax Kraken™ and the Legislative Leviathan™ operate together. The Kraken builds the taxable base. The Leviathan sets the rate on what it consumes. Because tax laws, brackets, deductions, and Medicare thresholds can change, the question is not simply whether rates rise or fall — it is how much of the Kraken's reach you can evaluate while current rules are known.

The Siege

This is what a coordinated attack looks like.

Income
Hydra™

Legislative
Leviathan™

Tax
Kraken™

Market
Dragon™

Health
Basilisk™

The Tax Kraken™ does not operate alone. The Three Feedings are amplified by the Legislative Leviathan™ — which controls the rate applied to every dollar the Kraken consumes. The Market Dragon™ determines how much accumulates before the Kraken feeds. The Income Hydra™ determines how much lifestyle depends on distributions. The Five Foemen of Retirement™ arrive together, from different directions, each one amplifying the others.

"What addresses the Siege is structure — not tactics, not products, not any single realm in isolation."
— Retire REGAL®: The Holy Grail of Retirement

The REGAL Stronghold™ Response

Corrective Measures — Weakening the Kraken

This free assessment identifies the size and source of the Tax Kraken’s reach. The Roth lever below gives you a limited preview of how planning can change the picture. The full Retire REGAL® Review determines which levers to use, in what order, and in what amount.

The danger is not knowing that Roth conversions, QCDs, QLACs, DAFs, and CRTs exist. The danger is using them in the wrong order, in the wrong year, or for the wrong reason. Your Review turns this diagnostic into a coordinated sequence.

Primary Corrective Measure — All Three Feedings

Roth Conversion Strategy

Under current law, a Roth conversion may reduce future RMD exposure on converted dollars and can shift taxation from later retirement years to today's known brackets. The tradeoff is that conversion income is taxable in the year converted and may affect Medicare premiums, Social Security taxability, credits, deductions, cash flow, and state taxes. Suitability depends on timing, tax rates, income needs, estate goals, and legislative risk.

Unlike QCDs, DAFs, and CRTs, which may reduce or redirect taxable exposure in specific ways, Roth conversions can reduce future required-distribution pressure on converted dollars under current law. This is a planning illustration only; the right amount, timing, and funding source should be coordinated with qualified tax and financial professionals.

Annual conversion amount

Fills to —% bracket

Conversion window

10 years

Age — → —

Important: Roth conversion decisions are highly personal and depend on your complete financial picture, tax situation, investment strategy, and lifetime income plans. A Roth conversion locks in today's tax rates and requires careful sequencing with other income sources. Post-RMD conversions are permitted but may have different tax implications. This analysis uses current law assumptions; conversion eligibility and tax treatment may change. Consult your tax advisor and financial planner before executing any conversion strategy.

First Feeding Reducer

Qualified Longevity Annuity Contract (QLAC)

Review Sequencing

The QLAC lever is intentionally reserved for your Retire REGAL® Review because its value depends on sequencing, tax bracket, Medicare exposure, income needs, charitable intent, beneficiary designations, and implementation details.

Schedule Your Review →

A QLAC can move a portion of IRA assets into a deferred income annuity and may reduce early RMD pressure. Whether it helps depends on age, income needs, liquidity, insurance-carrier terms, longevity goals, and the rest of the retirement-income structure.

Preview only: the Review determines whether QLAC timing creates useful tax relief or simply moves taxable income to later years.

QLAC purchase amount

Maximum $210,000 per IRS rules · Available inside traditional IRA

QLAC income start age

Deferred annuity payments begin at this age · Later start = higher payments

First & Third Feeding Reducer

Qualified Charitable Distributions (QCDs)

Review Sequencing

The QCD lever is intentionally reserved for your Retire REGAL® Review because its value depends on sequencing, tax bracket, Medicare exposure, income needs, charitable intent, beneficiary designations, and implementation details.

Schedule Your Review →

A QCD can direct IRA dollars to qualified charities and may satisfy all or part of an RMD while excluding the qualifying amount from taxable income when properly reported. It is powerful only when charitable intent, age eligibility, RMD timing, and tax reporting line up.

Preview only: QCDs can lower AGI and may affect IRMAA or Social Security taxation, but they are charitable distributions — not spendable retirement income.

Annual QCD amount

Maximum $111,000/year (2026) · Available at age 70½+

Income Offset Strategy

Donor-Advised Fund (DAF)

Review Sequencing

The DAF lever is intentionally reserved for your Retire REGAL® Review because its value depends on sequencing, tax bracket, Medicare exposure, income needs, charitable intent, beneficiary designations, and implementation details.

Schedule Your Review →

A Donor-Advised Fund may help concentrate charitable deductions in high-income years, especially when coordinated with appreciated assets, RMD years, business-sale years, or Roth conversion timing. It is not the same as a QCD and generally requires itemizing to create a federal tax benefit.

Preview only: the Review coordinates DAF timing with standard deduction, itemized deductions, AGI limits, the 2026 charitable-deduction floor, carryforwards, and state-tax treatment.

DAF contribution amount

Contribution type

Deduction = contribution amount

Third Feeding Eliminator

Charitable Remainder Trust (CRT)

Review Sequencing

The CRT lever is intentionally reserved for your Retire REGAL® Review because its value depends on sequencing, tax bracket, Medicare exposure, income needs, charitable intent, beneficiary designations, and implementation details.

Schedule Your Review →

A Charitable Remainder Trust can be a specialized legacy and charitable-planning tool. It may create an income stream and eventual charitable remainder, but it is irrevocable and requires careful legal, tax, and investment design.

Preview only: CRT planning, especially around retirement assets or beneficiary designations, requires attorney and CPA coordination. This free assessment does not determine whether a CRT is suitable.

Assets transferred into CRT

Annual payout rate

Minimum 5% per IRS rules · Higher rate = lower deduction

Trust term

Asset type transferred

Capital gains avoided on full appreciation inside the trust

Three questions this assessment cannot answer

1Which corrective measure should be used first?

2How much should be converted, redirected, protected, or gifted each year?

3How should taxes, income, Medicare, legacy, market risk, and professional review be coordinated together?

This is why the free assessment stops at diagnosis and preview. The Retire REGAL® Review turns the numbers into a coordinated sequence.

Your Next Step

Build Your Kraken Strategy

Your assessment shows the Kraken’s appetite. Your Review determines the sequence of corrective measures — what to address first, what to avoid, and what should be coordinated with your CPA, attorney, or other professionals.

Schedule My Retire REGAL® Review →

Freedom is never found by chance. It is built by design.

HYPOTHETICAL ILLUSTRATION: This Tax Kraken Threat Assessment™ is for educational and illustrative purposes only and does not constitute personalized tax, legal, or investment advice. All projections are hypothetical based on inputs provided and do not guarantee future results. RMD calculations use the IRS Uniform Lifetime Table from Publication 590-B (Appendix B, Table III) by default, and switch to the IRS Joint Life and Last Survivor Expectancy table (Publication 590-B, Appendix B, Table II) when the sole beneficiary is a spouse more than ten years younger than the account owner, in accordance with IRS rules. Tax bracket assumptions are based on 2026 federal rates per IRS Rev. Proc. 2025-32 and related IRS 2026 tax-rate guidance, including the basic standard deduction, the regular age-65 additional standard deduction, and the temporary enhanced senior deduction available for 2025-2028 subject to MAGI phaseout. These assumptions are subject to change. The SECURE Act 10-year rule is illustrated for non-spouse beneficiaries using simplified distribution timing. Optional state figures are flat-rate proxies, not actual state tax calculations. IRMAA screening uses 2026 CMS Part B and Part D income-related monthly adjustment tiers. Provisional income thresholds per IRS Publication 915.

MARKETING COMMUNICATION: This public-facing lead magnet is intended to introduce retirement tax-planning concepts and invite a Retire REGAL® Review. It should not be construed as a recommendation, solicitation, or offer to buy or sell any security, insurance product, annuity, charitable vehicle, or tax strategy. Any examples of benefits are presented together with limitations and risks; actual outcomes depend on your specific facts and future law.

ADVISORY SERVICES: Investment advisory services are offered through Foundations Investment Advisors, LLC ("Foundations"), an SEC registered investment adviser. Chris Owens is an Investment Adviser Representative associated with Foundations. Owens Financial Group, LLC is a separate entity and may offer insurance products. Nothing on this page constitutes personalized investment, legal, or tax advice. Any historical performance data is solely illustrative and provided as general information and is not a prediction of any future results or any past results for any specific client of Foundations. This page and its contents do not make any recommendation that any particular security, portfolio of securities, transaction, investment, or planning strategy is suitable for any specific person. Personalized investment advice can only be rendered after the engagement of Foundations, execution of required documentation (including a client agreement), and receipt of required disclosures. Use of this calculator does not create an advisory relationship. Investments in securities involve the risk of loss, including a total loss of money invested. Any past performance is no guarantee of future results. Advisory services are only offered to clients or prospective clients where Foundations and its advisors are properly licensed or exempt from licensure; Foundations reserves the right to accept or reject any prospective client. For more information about us, please go to https://adviserinfo.sec.gov and search by our firm name or by our CRD #175083.

INTENDED AUDIENCE: This assessment is intended for individuals approaching or in retirement who are evaluating tax exposure on tax-deferred retirement assets (IRAs and 401(k) balances). It is not designed for, and may not be relevant to, accumulation-phase investors or those whose financial situations and objectives differ materially from this audience.

PRIVACY, COOKIES & LEAD INFORMATION: This page may use cookies, pixels, analytics, advertising tools, form processing tools, and CRM integrations to operate the assessment, measure engagement, improve marketing, and follow up with users who submit their information. Personal information and assessment inputs may be transmitted to Owens Financial Group systems and service providers for those purposes. Review the Privacy Policy, Terms of Use, and Consumer Privacy Rights links below.

ROTH CONVERSIONS: A Roth conversion may not be suitable for your situation. The primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. The information provided is to help you determine whether or not a Roth IRA conversion may be appropriate for your particular circumstances. Please review your retirement savings, tax, and estate/legacy planning strategies with your legal/tax advisor to be sure a Roth IRA conversion fits into your planning strategies.

INSURANCE RELATED PRODUCTS: Any comments regarding safe and secure investments and/or guaranteed income streams refer only to fixed insurance products overseen by state insurance regulators and not any investment advisory products. Rates and guarantees provided by insurance products and annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC.

MEDICARE RELATED: This is not endorsed or affiliated with any federal Medicare program, nor any U.S. government agency. If applicable, we do not offer every plan available in your area and contacting us will direct you to a licensed insurance agent. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

SOCIAL SECURITY RELATED: This is not endorsed or affiliated with the Social Security Administration or any U.S. government agency.

QUALIFIED CHARITABLE DISTRIBUTIONS: A Qualified Charitable Distribution ("QCD") is a direct transfer of funds from your IRA custodian, payable to a qualified charity. QCDs can be counted towards satisfying your required minimum distributions (RMDs) for the year, as long as certain rules are met. Some charities may not qualify for QCDs. First consult your tax and/or legal advisor or the charity for the applicability of a QCD for any specific charity.

TAX ADVICE · CIRCULAR 230: This material does not constitute tax advice. Per Circular 230 regulations enforced by the IRS, any federal tax information provided herein is not intended to be used, and cannot be used, by any taxpayer for the purpose of avoiding IRS penalties. Consult a qualified tax professional regarding your specific tax situation before making any financial decisions.

INVESTMENT RISK: All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. The information on this page is for educational purposes only and should not be construed as personalized investment, tax, legal, insurance, Medicare, Social Security, or estate-planning advice.

SOURCE DATE: Core 2026 federal tax, RMD, QCD, QLAC, Social Security, and Medicare assumptions were reviewed on May 12, 2026 against official IRS and CMS sources. Future law, guidance, inflation adjustments, or state-specific rules may make this illustration outdated.

PROPRIETARY FRAMEWORKS: The Retire REGAL® Process and REGAL Stronghold™ are proprietary planning frameworks developed by Owens Financial Group, LLC. They do not represent specific investment products or guarantee outcomes. Retire REGAL®, REGAL Stronghold™, Five Foemen of Retirement™, Income Hydra™, Tax Kraken™, Tax Kraken Threat Assessment™, Legislative Leviathan™, Market Dragon™, Market Dragon Timing Test™, Health Basilisk™, Five Realms of Retirement™, REGAL Quest™, Permission Number™, and Care to Roar™ are trademarks of Owens Financial Group, LLC.

Your Inputs

Hypothetical Lifetime Tax Exposure

Strategy Preview

Revised Lifetime Exposure

Three Questions This Assessment Cannot Answer

Important Disclosures

Taming the
Tax Kraken™

This is what a coordinated attack looks like.

Corrective Measures — Weakening the Kraken

Bracket Fill Visualization

Impact on Three Feedings

Rate Risk Comparison

Build Your Kraken Strategy

Taming theTax Kraken™

This is what a coordinated attack looks like.

Corrective Measures — Weakening the Kraken

Bracket Fill Visualization

Impact on Three Feedings

Rate Risk Comparison

Build Your Kraken Strategy

Taming the
Tax Kraken™