Retirement Income & Legacy Planning · Frisco, TX · Licensed in 30+ States

Your wealth,
engineered to last.

Retirement income · refined

You've spent decades building significant wealth. The next chapter is about what happens to it — how it generates income for you, how it's protected from unnecessary taxation, and how much of it actually reaches the people you intend it for. We help high-net-worth families and business owners engineer that outcome deliberately, before the decisions become irreversible.

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20+ Years of Experience
30+ States Licensed
$0 Cost for First Consultation
The Questions Keeping You Up at Night

Most high-net-worth families are one overlooked structure away from paying more tax than they ever needed to — in life, and at death.

You didn't get here by accident. But the decisions from here — how you draw down, how you transfer, how you protect what you've built — are genuinely complex, and often permanent. These are the ones we solve.

01

The RMD Tax Bomb Gets Bigger With Every Dollar

On a large qualified balance, your Required Minimum Distribution at 73 isn't a formality — it's a forced six- or seven-figure taxable event, every year, whether you need the income or not. Most families don't model this until it's too late to restructure.

02

Social Security Is the Smallest Decision With the Longest Paper Trail

For a family with significant assets, Social Security is rarely the main event — but claiming it wrong still triggers avoidable taxation on other income, and coordinating it correctly is one more lever in a much larger tax picture.

03

A Bad Year Can Force Decisions You Didn't Plan For

A market downturn in the years you're taking large RMDs or funding a wealth transfer can force asset sales at the worst possible time — locking in losses on money that didn't need to move yet.

04

Your IRA Wasn't Built to Be a Legacy Plan

Qualified accounts are excellent at accumulation and terrible at wealth transfer — every dollar your heirs inherit from them is taxed as ordinary income, often within ten years, under SECURE Act rules most families have never had explained to them.

05

IRMAA Surcharges Scale With Every Large Distribution

A single large distribution — from an RMD, a Roth conversion, or a liquidity event — can push you into the highest Medicare premium tier for two full years. At this asset level, it happens more than once.

06

Multi-Generational Planning Requires a Different Time Horizon

Your plan isn't just built for your lifetime anymore — it's built for your spouse's, and often your children's. A structure that only accounts for your own longevity risk is missing half of what it needs to solve.

See Where You Stand — Free Calculators →
What We Do

Wealth and legacy planning,
built to last.

Every service is designed around a broader outcome: reliable, tax-efficient income for you — and a deliberate plan for what happens to what's left.

Retirement Income Planning

A comprehensive map of where your income comes from, in what order, and at what tax cost — built around complex, multi-source wealth, not a generic withdrawal rule.

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Tax-Efficient Withdrawal Strategies

Sequencing across taxable, tax-deferred, tax-free, and guaranteed accounts to minimize lifetime tax liability — including the Roth conversion decisions most advisors oversimplify.

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Social Security Optimization

Full breakeven and spousal coordination analysis — run as one input into a much larger tax and income picture, not treated as the whole plan.

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Annuity & Insurance Solutions

Independent, market-wide sourcing of guaranteed income and protection strategies — used only when they solve a specific problem in your plan, never by default.

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Advanced Planning

Roth alternatives, inherited IRA strategies, and legacy structuring designed for qualified assets you don't need to fund your own lifestyle — and for families ready to think about the next generation.

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20+ Years in Practice
30+ States Licensed
Independent No Carrier Affiliation
Free Planning Tools

Find out your real retirement income number.

Our calculators are built pain-first — they show you the problem clearly before offering the path forward. No email required to run them.

  • Retirement Income Gap Calculator
  • RMD Tax Bomb Calculator
  • Social Security Timing Optimizer
  • Roth Conversion Analyzer
  • Safe Withdrawal Rate Calculator
  • IRMAA Medicare Surcharge Calculator
  • Sequence of Returns Simulator
  • And more →
Run the Numbers Free →
Quick Check

What's your retirement income gap?

Enter two numbers and see the gap you'll need to fill.

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Tod Long — Retirement Income Specialist, Tempered Wealth Management
About Tod Long

A practice forged from
two decades of decisions.

Tod Long didn't come to financial services through a conventional path. As a University of Oklahoma sprinter, World Indoor Champion, and Nike professional athlete, he built his entire worldview around one discipline: preparation determines outcomes.

That discipline carried into 20+ years of independent financial practice serving high-net-worth families and business owners. Not products-first. Strategy-first. Because decisions about income, taxation, and legacy are often irreversible — and getting them right the first time is the only acceptable standard.

Athletics World Indoor Champion — 4×400m Relay · USA Indoor Champion — 200m · 6× NCAA All-American · University of Oklahoma
Experience 20+ years independent retirement income and legacy planning · Licensed in 30+ states · NPN: 7569078
Media Host, The Income Standard Podcast · Former host, Financial Fast Track Radio (OKC)
Education Seminar presenter at local colleges and public libraries — Social Security, RMDs, retirement income strategy
Tod's Full Story →
Take the First Step

A 20-minute conversation that could reshape
the next generation.

The first conversation is a private income and legacy review. No products pitched. No commitment. Just a focused look at where you stand — and what's possible for what comes after.

Schedule Private Consultation → Call 888-553-6428 →

Tempered Wealth Management is an independent financial services practice. Insurance products and services are offered through Tod Long, NPN 7569078, licensed in 30+ states. This website is for informational purposes only and does not constitute investment, tax, or legal advice. Calculators are illustrative tools only — results are estimates and not guarantees. Past performance is not indicative of future results.