Opens the Tax Conversation
Tax planning starts with identifying the problem. Total Tax Burden opens the conversation and uncovers the risk. Top advisors run one for every prospect who comes into their office.
Software
Total Tax Burden
Every prospect who enters your office has a tax bill due in retirement. With Total Tax Burden, you can quickly uncover the amount - and show them how to reduce it.
This 30-second report opens the tax conversation immediately - and the best part? No tax returns or client financial details needed. Just grab an age and an asset amount to generate their report. It’s the fastest conversation starter you’ll find.
Request Your Sample Report
With Total Tax Burden, You Can…
Enter tax assumptions. Enter client age. Generate a quick report showing taxes paid in their qualified account versus taxes saved in a Roth. See what makes Total Tax Burden our #1 run report.
Total Tax Burden reports include
IRA vs. Tax-Free Account
Total after-tax wealth generated from their current approach vs. a tax-free conversion
Tax Analysis
Quick snapshot of factors driving the tax decision
Tax Change Modeling
The impact of rising taxes - from legislative changes, the Widow’s Penalty and more
Easy to Run
Custom report in under 30 seconds
Why Advisors
Choose Total
Tax Burden
Quick, Powerful Snapshot
In under a minute, your prospect will see their tax options - in real dollars and cents. Total Tax Burden can be used specifically to open tax conversations or as part of your client acquisition process.
How Advisors Use the Total Tax Burden Report
Prospect Meetings
Deliver a quick, high-level analysis. The industry’s best eye-opener on retirement taxes.
Client Meetings
Open the tax conversation with annuity and AUM clients to increase wallet-share and deliver value.
CTA for Seminars, Podcasts & Radio
Offer a report for attendees or listeners - giving them a compelling reason to call your office or come in for a meeting.
Real Advisors. Real Results.
See how advisors are using Stonewood software to win larger cases and deliver better outcomes for their clients.
An advisor was working with a prospect who was a real "do-it-yourselfer" when it came to Roth conversions. The client was converting assets up their existing tax bracket – and hadn't considered any impact to IRMAA.
With Roth Done Right, the advisor was able to show an alternate pattern that sped up the conversion to 6 years. The new structure offered $30,000 savings in conversion taxes – a 20% reduction on the prospect's conversion tax bill. The report also showed hundreds of thousands of dollars in long-term tax and IRMAA savings from the converted assets – an amount the prospect hadn't been able to quantify on his own.
Outcome
A new client with $1M in new AUM, and a $1M FIA sale to fund the conversion process.
An advisor was working with a prospect who already had assets with Ken Fisher. Fisher's team presented a 5% systematic withdrawal projection, so the advisor needed a stronger way to frame the income conversation.
Using the Annuity Alpha report, the advisor showed how an annuity could deliver over 8% in annual cash flow with lifetime income, plus a long-term care doubler. The contrast was clear enough that the prospect moved forward.
Outcome
$1.5M placed and a $100K in new business revenue.
An advisor was working with a 58-year-old couple with an established, well-funded retirement income plan, leaving an additional $3M IRA to build out a legacy for the kids. The couple's existing advisor had no real additional plan for this money, other than to keep it in their managed account and grow that money as much as possible for the kids.
Using the Legacy Done Right report, the advisor showed the need for tax planning on this $3M IRA. According to the advisor, the simple analysis "opened up the wallet" to the Roth conversion story. The advisor then used the blended Roth/Life feature in the report to show a blend of Roth Conversion assets with some Life Insurance to help maximize the client’s legacy.
Outcome
$3M in motion. The advisor picked up a $1.5M FIA sale that will be converted to Roth. And the advisor also sold a 5-Pay Protection focused IUL policy at $225,000 of premium per year.
An advisor group incorporated the Total Tax Burden report into the strategy presentation for all new prospects. They ran the tax snapshot for every new client as part of their first meeting conversation, quantifying the growing tax burden of IRA money – and illustrating the kinds of tax savings possible when working with their firm.
Starting in January of 2023, this simple analysis was presented to every single prospect who walked in the door. The goal was to differentiate their practice and drive overall revenue growth through various Roth conversion strategies.
Outcome
From 2022 to 2025, new annual AUM rose from $5M to $50M. Annual FIA sales rose from $3M to $35M. And annual life premium rose from $50K to $1M.
Pick Your Membership
Every tier includes licenses for your entire team.
IUL Membership
$229/mo*
or $2,200/year SAVE 20%
- Total Tax Burden Software
- Marketing Toolkit: Benefits of IUL
- Marketing Toolkit: Rising Tax Risk
- Life Training Resources
*Monthly pricing includes a one-time set-up fee of $329
MOST POPULAR
Premium+ Membership
$329/mo*
or $3,200/year SAVE 20%
- Roth Done Right Software
- Legacy Done Right Software
- Annuity Alpha Software
- Total Tax Burden Software
- Retirement Tax Bill Lead Gen
- All Marketing Toolkits
- All Training Libraries & Resources
- Access to Stonewood's complete suite of tools & software
*Monthly pricing includes a one-time set-up fee of $329
Annuity Membership
$229/mo*
or $2,200/year SAVE 20%
- Annuity Alpha Software
- Retirement Tax Bill Lead Gen
- Marketing Toolkit: Annuities
- Annuity Training Resources
*Monthly pricing includes a one-time set-up fee of $329
Frequently Asked Questions
What client information do I need to run a Total Tax Burden Report? −
Simplicity is the report’s power. Enter a client’s age, asset amount and tax assumptions and you’re ready to generate their report.
Can I model tax changes? +
Yes. The software allows you to model multiple tax changes for your client and their heirs.
Can I add my own disclosure to the report? +
Yes. The report is customizable with your practice’s information, logo, and any compliance and disclosure language you need.
Total Tax Burden Software for Financial Advisors
Every prospect who walks into your office is carrying a total tax burden waiting for them in retirement. Total Tax Burden software shows them that potential number in under30 seconds, then shows them how to shrink it. No tax return needed.
Grab an age, tax bracket, and an asset amount, and you have the fastest tax conversation starter in the business.
What a total tax burden is in retirement
A total tax burden is the full amount of taxes a saver can expect to pay over time in retirement on their tax-deferred dollars, such as a traditional IRA or 401(k). Because those accounts are taxed on withdrawal, the balance on the statement is not the amount the client keeps. Total Tax Burden software estimates that future tax and shows it next to a tax-free alternative.
Most savers have never seen this number. They look at a $600,000 IRA and think of it as $600,000. They have not subtracted the part that will go to the IRS, and they have not considered how rising rates, the loss of a spouse, or required minimum distributions could change the size of that bill over time.
That gap between the statement balance and the after-tax balance is the opening for a tax conversation. Total Tax Burden is built to surface it in the first meeting, before a prospect has shared a single tax document.
What the Total Tax Burden report shows
The report does one job extremely well: it makes a future tax bill understandable, in dollars and cents, fast enough to use as a conversation opener.
IRA vs. tax-free account
See the total after-tax wealth a client may generate from their current approach next to a tax-free conversion. It is the apples-to-apples comparison most savers have never been shown, framed around what they actually keep.
A clear tax analysis
A quick snapshot of the factors driving the tax decision, in language a client can follow, so the conversation stays about their situation rather than abstract tax theory.
Tax-change modeling
Model the impact of rising taxes, including potential legislative changes and the surviving-spouse shift from joint to single filing rates, sometimes called the widow’s penalty.
Ready in under 30 seconds
Enter the tax assumptions and the client’s age, and the report generates almost immediately. It is the fastest report in the Stonewood suite, which is why many advisors run one for every prospect who comes through the door.
Customizable to your practice
Add your practice information, your logo, and any compliance and disclosure language you need, so the report fits how your firm presents and stays consistent with your supervision requirements.
How it works
Total Tax Burden is tax-analysis software for financial advisors. You enter a client’s age, an asset amount, and a set of tax assumptions, and in about 30 seconds the software produces a client-facing report comparing potential taxes paid in a qualified account against potential taxes saved in a Roth. No tax return or detailed financial information is required, which makes it a fast conversation starter.
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Input age and asset amount. No Tax Return & No Detailed Client Financials Required
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Specify the tax assumptions. You are free to make your assumptions and model possible tax changes.
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Create the report In under 30 seconds you have a clean client-facing snapshot.
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Start the conversation. Present the client with their projected tax burden and the tax-free alternative side-by-side.
How advisors put it to work
Prospect meetings
Deliver a quick, high-level analysis that works as an eye-opener on retirement taxes. It gives a first meeting a reason to go deeper.
Existing client reviews
Open the tax conversation with annuity and AUM clients to add value and increase wallet share, surfacing a need the client may not have known they had.
Seminars, podcasts, and radio
Offer the report to attendees or listeners as a call to action, giving them a concrete reason to call your office or book a meeting.
What it looks like in a real practice
One advisor group built the Total Tax Burden report into the strategy presentation for every new prospect, running the snapshot in the first meeting to quantify the growing tax burden on IRA dollars and illustrate the savings possible through Roth conversion strategies.
Starting in January 2023, they presented this simple analysis to every prospect who walked in the door. Over roughly four years, the practice’s new annual assets under management rose from $5M to $50M, annual FIA sales rose from $3M to $35M, and annual life premium rose from $50K to $1M.
Results vary by advisor and client situation. This is one practice’s experience, shared for illustration, and not a promise of similar outcomes.
Total Tax Burden is part of a software suite that has run more than 114,000 client reports for over 8,000 advisors.
We’re not an IMO. That’s the point.
Stonewood is a software and marketing platform that can be used by advisors at any IMO. We do not distribute products, participate in commission, or push you toward one carrier over another. Total Tax Burden can be used with any IMO, on your terms.
That independence keeps the report credible. Its job is to surface a real tax question for the client, not to sell a specific product. The recommendation stays yours; the software just gets the conversation started.
A note on tax advice
Here at Stonewood we are not CPAs, and Total Tax Burden does not give tax and investment advice. We build analysis tools that help advisors model the potential tax consequences and tax savings of strategies like Roth conversions, so you can have a more informed conversation. Specific tax decisions should run through the client’s qualified tax professional, and projected figures depend on the assumptions you enter.
Total Tax Burden vs. a full tax-planning platform
A deep planning tool and Total Tax Burden serve different moments. One runs a comprehensive plan once a client is engaged. The other opens the door in the first 30 seconds.
| Capability | Total Tax Burden | Typical full tax-planning platform |
|---|---|---|
| Core job | Open the tax conversation fast | Build a comprehensive plan |
| Tax return required | No | Often yes |
| Inputs needed | Age, asset amount, assumptions | Full client financials |
| Time to a client-ready report | Under 30 seconds | Longer |
| Tax-change and widow’s-penalty modeling | Included | Varies |
| Tied to a carrier or distribution | No. | Varies |
How to get Total Tax Burden
otal Tax Burden is included in Stonewood’s IUL Membership at $229 per month, or $2,200 per year, alongside the Benefits of IUL and Rising Tax Risk marketing toolkits and life training resources. It is also included in the Premium+ Membership at $329 per month, or $3,200 per year, which adds Roth Done Right, Annuity Alpha, Legacy Done Right, the Retirement Tax Bill lead-gen program, and the full toolkit and training library. Both options carry a one-time $329 setup fee, and every membership includes licenses for your entire team.
Most advisors want to see the report before they decide. That is exactly how we recommend starting: request a sample report, see the snapshot on a real scenario, then book a short demo to watch it run live.
Frequently asked questions
A total tax burden is the full amount of tax a saver can expect to pay over time on their tax-deferred dollars, such as a traditional IRA or 401(k). Because the statement balance has not been taxed yet, the client keeps less than it shows. Total Tax Burden software estimates that future tax and presents it next to a tax-free alternative.
Simplicity is the report’s power. Enter a client’s age, an asset amount, and your tax assumptions, and you are ready to generate the report. No tax return or detailed financial information is required.
Yes. The software lets you model multiple tax changes for a client and their heirs, including potential legislative changes and the surviving-spouse shift from joint to single filing rates, sometimes called the widow’s penalty.
The report generates in under 30 seconds once you enter the inputs. It is the fastest report in the Stonewood suite, which is why many advisors run one for every prospect.
Yes. The report is customizable with your practice information, your logo, and any compliance and disclosure language you need, so it fits your firm’s presentation and supervision requirements.
Total Tax Burden is included in Stonewood’s IUL Membership at $229 per month, or $2,200 per year, and in the Premium+ Membership at $329 per month, or $3,200 per year. Both carry a one-time $329 setup fee, and every membership includes licenses for your whole team.
No. Stonewood is a software and marketing platform that can be used by advisors at any IMO. We do not distribute products, participate in commission, or push you toward one carrier over another. Total Tax Burden can be used with any IMO, on your terms.
See the report that opens the tax conversation
The fastest way to understand Total Tax Burden is to see a real scenario. Request a sample report, then schedule a short demo and watch it run live in under 30 seconds.