You’re Sitting on an Advisory Goldmine

You already know them.

They’ve been filing with you for years. They pay on time. They trust you.

But they’re also standing at one of the biggest financial crossroads of their lives — and you might be missing the moment.

We’re talking about clients in that 55-to-70-year-old window: the pre-retirees and early retirees deciding when to take Social Security, how to pull from their IRAs, and what to do about the taxes that follow them into retirement.

These aren’t one-off tax prep clients anymore. They’re walking, talking advisory opportunities — and most firms never seize them.

The Great Overlooked Segment

Boomers and early Gen Xers control the majority of U.S. retirement assets. Many have portfolios built over decades… and no real plan for how to spend or protect them.

They don’t need another financial product. They need someone who understands how taxes shape every retirement decision — from when to claim Social Security to how to manage required minimum distributions (RMDs).

That someone could — and should — be you.

Because the person who keeps them compliant today could also be the person who saves them thousands tomorrow.

From Tax Prep to Tax Strategy

Tax prep is reactive. Tax strategy is proactive.

Imagine sending this to your client list next month:

Subject: Are you on track to retire tax-smart?
We’ll review your current drawdown plan, estimate your future tax exposure, and uncover ways to reduce lifetime taxes — before you hit RMD age.

That single message reframes your firm as a guide, not just a filer.

You’re not offering forms. You’re offering peace of mind — and peace of mind comes at a premium.

What to Offer: Three Fast, High-ROI Engagements

You don’t need to build an entire financial planning division.

Start small with focused, repeatable packages that can turn compliance clients into year-round advisory clients.

1 – Retirement Tax Readiness Review

Price: $300–$750 (one-time)

Analyze their income mix, estimate post-retirement brackets, and review Social Security options. Deliver a short written summary or recorded video overview they can share with a spouse.

Outcome: instant value, low lift, easy to scale.

2 – Distribution Strategy Plan

Price: $1,200–$2,500 per year

Quarterly review service for clients drawing from 401(k)s or IRAs. Tackle Roth conversions, bracket management, charitable giving, and RMD planning.

Outcome: recurring revenue plus deeper client retention.

3 – Legacy & Gifting Tax Review

Price: $500 and up

Frame it around “Passing wealth the smart way.” Identify gifting thresholds, charitable strategies, and estate-tax triggers. Coordinate with attorneys or planners as needed.

Outcome: cross-sell potential and long-term loyalty.

How to Market It: Segment, Trigger, Repeat

You don’t need new leads. You just need to segment your existing database.

Filter by birth year (1955–1970) or note keywords like 401(k), IRA, or retirement. Then build a simple 4-step campaign:

Simple. Predictable. Profitable.

Each message builds trust and positions your firm as the proactive partner they’ve been missing.

The Emotional Angle: Legacy Over Ledgers

Retirement isn’t about spreadsheets — it’s about stories.

People want to know they’ll be okay. That their spouse will be okay. That their kids will inherit without chaos.

When your marketing speaks to security, family, and freedom, you rise above the noise of “tax prep discounts” and “file early” reminders.

This is advisory that connects on a human level — and it’s where independent firms win.

The CountingWorks PRO Advantage

CountingWorks PRO helps firms automate and scale campaigns just like this.

Our AI engine, MAX, can:

• Identify and segment near-retirement clients in your database
  
• Auto-generate campaign emails, blogs, and newsletters
  
• Create branded proposals and engagement letters
  
• Trigger reminders and renewals automatically
  

So whether you’re a solo practitioner or a multi-partner firm, you can launch a Retire Smarter campaign in hours — not weeks — and start adding real advisory revenue before year-end.

The Bottom Line

The next $50K in revenue for your firm isn’t out there somewhere on Google.

It’s already in your client list.

By helping near-retirees make smarter tax decisions, you’re not only serving them better — you’re building a stronger, future-proof firm.

Because the firms that thrive in the next decade won’t be the ones that file the most returns.

They’ll be the ones that turn moments of life change into moments of growth.

Ready to learn how to build this campaign?

Our next post breaks down the full Retire Smarter Playbook — complete with templates, automations, and pricing guidance — so you can start seeing ROI immediately.

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